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Property and Liability Insurance Fund

At-a-Glance

When Georgia cities faced hardships obtaining property and liability insurance in the 1980s, we stepped in. The result? A high quality property and liability insurance fund from the Georgia Interlocal Risk Management Agency (GIRMA). With 330 members, GIRMA pools your premiums into the risk-sharing fund that pays claim defense, claim losses, and more. Learn about the many benefits and options.


Benefits

GIRMA offers competitive benefits that make it a better choice than standalone commercial offerings.
 
  • Submit claims for an unlimited number of occurrences. No cap and no aggregate limits for general liability or law enforcement coverage.
  • Receive full imbursement to buy “like new” replacements. We provide “like new” replacement cost property coverage on a blanket limit basis (covering all of your property on all of your premises) with no coinsurance clause, meaning you don’t have to pay a dime. We also do not limit increased replacement costs due to ordinance or code enforcement.
  • Prevent property and liability incidents before they happen. We offer proactive safety and risk control services including:
    • Loss control field service and individual member problem analysis to help you mitigate risk in your work environments.
    • Onsite and regional training to help communicate the basics of risk control to your staff.
    • Plenty of research and resources including a video lending library, periodic risk control publications, and other communication materials.
  • Save time through administrative benefits such as an easy renewal process, a common renewal date, and no premium audits that involve onsite visits, phone calls, and extra paperwork.
  • Save time from reporting on many vehicles. New vehicles, equipment, and property valued under $100,000 are automatically covered and do not have to be reported.
  • Receive free property appraisals which are included and conducted at no cost to you. We conduct these appraisals to ensure the proper valuation of your property.
  • Receive free legal advisory service. Our property and liability experts will talk to you about any employment and personnel matters at no cost to you. In fact, using our Hotline for Employment Legal Problems (HELP) waives your deductible on any subsequent claim.
  • Receive additional flood and earthquake coverage. We provide $10 million per member for flood and earthquake coverage, with flood zone exclusions.
  • Receive specialized data and network security coverage. This free coverage includes protection in the event that your personal and private data is breached by a computer hacker. We also cover lost or stolen computers, phishing attacks, and other breaches of cybersecurity along with notification costs to people affected by the data breach.
  • Receive additional coverage for sewer backups and zoning.
  • Participate in additional cost-saving and benefit-rich programs such as:
     
    • Safety and Liability Management Grant Program
      Our Safety and Liability Management Grant Fund offers opportunities for you to fund the purchase of equipment, receive training, and give you the ability to tackle expensive worker safety and liability initiatives. You’re eligible for $6,000 in funds per year, with no match required.
    • Public Safety Driving Simulator Training Program
      Our customized public safety classroom training covers defensive driving, basic physics involved in driving, proper inspection of vehicles, state requirements regarding emergency response and pursuits, and any applicable case law.
    • GIRMA Law Enforcement Initiative
      We assist your law enforcement agency to effectively manage the varied and high-potential risks associated with law enforcement operations. If you participate, you can receive up to a 20% discount on any law premiums.
    • GIRMA Inmate Medical Program
      Because you’re held responsible for the medical care of inmates/arrestees, no matter how much it costs, we provide $250,000 per inmate/per year over a $10,000 deductible to help with inmate medical claims management and catastrophic medical protection.

Plans and Options

We offer different property and liability insurance plans to meet your needs.
 
  • Property (including boiler and machinery property)
  • Automobile physical damage and liability
  • Law enforcement liability
  • General liability
  • Public official liability
  • Employee benefits liability
  • Pollution
  • Fidelity (including crime and all bonds)

Costs

Your contributions are based on:
 
  • Individual loss experience. We compare your past property and liability experiences to state averages to calculate your insurance contribution.
  • Underwriting. A risk assessment makes sure you’re eligible for property and liability insurance, and for how much.

Am I Eligible?

You are eligible for the GIRMA fund if you are a:
 
  • Municipality
  • Municipal authority
  • Municipal commission
  • Regional commission
  • Municipal school district with an average daily student population of at least 2,800
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.
 

Members

Abbeville Housing Authority Luthersville
Acworth Lyerly
Adel Macon-Bibb Industrial Authority
Adrian Madison
Alamo Manchester Housing Authority
Allentown Mansfield
Alma Marietta City Schools
Andersonville Marshallville
Aragon McCaysville Housing Authority
Arcade McDonough
Ashburn McIntyre
Ashburn Housing Authority McRae Housing Authority
Athens-Clarke County Meansville
Atlanta Regional Commission Metter
Auburn Middle Georgia Regional Commission
Austell Midville
Avondale Estates Midway
Bainbridge Millen
Bainbridge Decatur County Recreation Authority Milner
Ball Ground Milton
Barnesville Mitchell
Bartow Molena
Barwick Monticello
Ben Hill-Irwin Joint Authority Moreland
Berkeley Lake Morganton
Berlin Morven
Bishop Moultrie
Blackshear Moultrie Housing Authority
Blairsville Moultrie Leased Housing Authority
Blakely Housing Authority Mount Airy
Bloomingdale Mount Vernon
Blue Ridge Mount Vernon Housing Authority
Blythe Mountain City
Bogart Mountain Park
Boston Nelson
Boston Housing Authority Newington
Bostwick Newnan
Bowman Nicholls
Braselton Norcross
Brinson North High Shoals
Bronwood Northwest Georgia Regional Commission
Brookhaven Oak Park
Brooklet Oakwood
Brooks Ochlocknee
Brunswick Oconee
Buckhead Oliver
Buford Housing Authority Oxford
Byron Housing Authority Palmetto
Cairo Parrott
Camilla Patterson
Canon Pavo
Canton Housing Authority Peachtree City
Cave Spring Peachtree City Airport Authority
Cave Spring Housing Authority Peachtree Corners
Cedartown Pearson
Centerville Pelham Housing Authority
Chamblee Pembroke
Chamblee DDA Perry
Chattahoochee Hills Perry Housing Authority
Chester Pine Lake
Chickamauga Pinehurst
Clarkesville Pineview
Clarkston Plainville
Claxton Pooler
Clermont Port Wentworth
Climax Poulan
Cobbtown Powder Springs
Cohutta Ranger
Colbert Ray City
Collins Rayle
Colquitt Housing Authority Rebecca
Comer Register
Commerce Reidsville
Commerce Housing Authority Remerton
Concord Resaca
Conyers Housing Authority Rhine
Coolidge Riceboro
Cornelia Richland
Dahlonega Richmond Hill
Dallas Riddleville
Danielsville Rincon
Danville Ringgold Housing Authority
Darien River Valley Regional Commission
Dasher Roberta
Davisboro Roberta Housing Authority
Dawson Rockmart
Dawsonville Rocky Ford
Deepstep Rome
Dexter Rossville
Dillard Roswell Housing Authority
Doerun Rutledge
Doerun Housing Authority Sale City
Donalsonville Sandersville
Douglasville Santa Claus
Dublin Sardis
Dublin-Laurens County Recreation Authority Scotland
Dudley Screven
Duluth Senoia
Dunwoody Senoia DDA
Eastman Senoia Housing Authority
Eatonton Shady Dale
Edison Sharpsburg
Ellenton Sky Valley
Emerson Smithville
Eton Smyrna
Fairmount Snellville
Fargo Social Circle
Fitzgerald Soperton
Fitzgerald Water, Light and Bond Commission South Fulton Mun. Reg. Jail Auth.
Flovilla South Fulton Regional Water & Sewer Authority
Fort Gaines Southern Georgia Regional Commission
Fort Valley Utility Commission Springfield
Franklin St. Marys
Gainesville Housing Authority Stapleton
Garden City Statham
Garfield Stillmore
Georgia Mountains Regional Commission Sugar Hill
Gibson Summertown
Glenwood Summerville
Good Hope Sumner
Graham Suwanee
Grayson Swainsboro
Greensboro Tallapoosa
Griffin Taylorsville
Grovetown Tennille
Hagan Tennille Housing Authority
Hahira Thomasville
Hapeville Thomasville Housing Authority
Haralson Thomson
Harlem Three Rivers Regional Commission
Harrison Tifton
Hartwell Tignall
Hawkinsville Toccoa
Helen Toomsboro
Hephzibah Tri-City Housing Authority
Hinesville Trion
Hiram Tucker
Hoboken Tunnel Hill
Holly Springs Turin
Homeland Tybee Island
Homerville Tyrone
Hoschton Unadilla
Ideal Union City
Irwinton Uvalda
Ivey Varnell
Jefferson Vidalia
Jenkinsburg Vienna
Jesup Villa Rica
Kennesaw Villa Rica Housing Authority
Keysville Waco
Kingsland Waleska
Kingston Walnut Grove
Kite Walthourville
LaFayette Warner Robins
LaFayette Housing Authority Warwick
LaGrange Housing Authority Washington-Wilkes Parks & Rec.
Lake City Waycross DDA
Lavonia Waynesboro
Leary Whigham
Leesburg White
Lenox White Plains
Leslie Whitesburg
Liberty Consolidated Planning Commission Williamson
Lilburn Winder
Locust Grove Woodbine
Lookout Mountain Wrens
Lovejoy Young Harris

Want to improve your employee safety and reduce your public liability, but need some extra funds to do it? Every year, our Safety and Liability Management Grant Program provides those funds through a first come, first served grant process. We designed this non-matching grant program with the primary goal of helping you pay for the training, equipment, and services you need to increase employee safety and reduce claims.

These grant funds are city-owned and we focus on sharing those funds to proactively minimize workers' compensation, liability, and property exposures that cause losses. Not only do these investments help a city’s bottom line but employees also feel better knowing you’re going above and beyond to keep them safe in the workplace.

We award grants until all eligible funds are expended.

Am I eligible to apply?
Only members of GMA’s property and liability fund (GIRMA) and GMA’s workers’ compensation fund (GMA WCSIF) may apply for these grants. 

In addition to being a member of one of these two programs, you must also:

  • Be current in your payment of all member contributions and fees.
  • Have had at least one member employee participate in at least one LGRMS sponsored training program within the past year of your grant request.
  • Have designated a specific person as a Safety Coordinator. The designated Safety Coordinator must attend and complete Introduction to Local Government Safety Coordinator Modules 1,2, and 3 within the past year of the grant request.
  • Show proof and implementation of a written policy (signed by the Mayor and City Administrator / Manager for cities or Executive Director for authorities) on:
    • Holding safety meetings / training (a minimum of one meeting per quarter). If your written policy was approved in the previous year, you will not need to resubmit the written policy. However, you will need to submit verification that meetings took place.
    • Requiring a minimum of two safety self-inspections per year, with a minimum of one every six months. You will not need to resubmit the written policy if approved the previous year, but you will need to submit proof of inspections.
    • Requiring mandatory seat belt usage that applies to anyone conducting city/authority business who rides in or drives owned/operated vehicles or operating construction equipment equipped with seat belts.
  • A documented mandatory use guideline or SOP signed by the department head and either the Mayor, top Administrator, or Executive Director for each safety equipment request.
For members with premiums over $100,000, you must show proof that the member’s leadership and safety team has reviewed applicable loss trends over the last five years and developed goals and associated action plans to address those trends.

How much grant money can I receive?
The maximum amount of grant money you can receive depends on the amount of your premium level, as seen in the following table.
 
Premium Amount Maximum Grant Amount
More than $200,000 $10,000
$60,000 to $200,000 5% of your premium
$6,000 to $60,000 $3,000
$1,000 to $6,000 50% of your premium
Less than $1,000 $500
 

What items are eligible?

For Workers’ Compensation Self-Insurance Fund (WCSIF) members, ask yourself if the item requested will reduce the risk of employee injury or a workers’ compensation claim. If yes, it is likely to be approved.

Items typically approved include:
  • Training videos
  • Fees for attending a safety course or seminar
  • Safety related services
  • Equipment such as:
    • Soft body armor for law enforcement
    • Reflective vests / garments
    • Confined space entry or retrieval equipment
    • Trench boxes or shoring equipment
    • Chemical handling gloves
    • Aprons
    • Face shields
    • Respirators
For Georgia Interlocal Risk Management Agency (GIRMA) members, ask yourself if the item requested will reduce the risk of a property and liability claim. If so, it is likely to be approved.

Items typically approved include:
  • Training videos
  • Fees for attending a liability course or seminar
  • Risk reducing services
  • Department accreditation
  • Certification fees (such as for CALEA or Georgia Association of Chiefs of Police)
  • Equipment such as:
    • Playground enhancements (such as netting, sand, cross ties, etc.)
    • Traffic control (such as barriers, cones, fencing, signs, flagger certification, flares, beacons)
    • Safety lights and camera systems for vehicles
    • Law enforcement items (such as gun locking devices, in-car / body / taser cameras, etc.).
Ineligible items include…
  • Personal safety equipment (such as hard hats, general use safety glasses, safety shoes, disposable gloves, flashlights, etc.)
  • Weapons of any type
  • Staff salary costs
  • General training requirements for a specific position (such as police or fire academy training programs)
  • General equipment that can be used for multiple purposes (such as computers, furniture, etc.),
  • Association dues / fees

When can I apply for a grant?

  • Your purchase must be made during the current calendar year that runs from January 1 to December 31.
  • We began reviewing 2016 grant applications on February 1, 2016.
  • All grant applications must be received or post marked before October 31, 2016.

How long will it take to receive my grant money?

The average grant payment takes 3-4 months and follows a specific process.
  • LGRMS receives your grant application, identifies any issues with your documentation, and sends you an acknowledgement email requesting any needed documentation. This takes 2-6 weeks.
  • LGRMS will review your application with the GMA Grant Board. This Board will either approve or decline the items you have requested. This takes an additional 2-6 weeks.
  • LGRMS sends you an email indicating the items approved for your grant.
  • You then purchase the items requested and send LGRMS the proof of purchase documentation.
  • Once LGRMS receives your documentation, we deliver your check. This usually takes 2-6 weeks.

How are grants selected?

  • Each submitted grant request will be subject to approval by a committee made up of the Deputy Executive Director of Risk Management Employee Benefit Services (RMEBS), the Director of Risk Management Services, and the Director of LGRMS with input from an appropriate LGRMS Field Representative. The Committee will have final determination as to whether a grant request meets the overall intent of the program.
  • Priority will be given to grant requests that have direct impact on employee safety or reduction of liability exposures.
  • Each fully completed request will be logged into the master list of requests and processed in the order received.
  • Incomplete requests will not be recorded into the master list until all necessary documentation has been received.
  • All requests will be acknowledged as to whether it has been approved, not approved, or partially approved.
  • Funds will only be dispensed after final documentation has been received for the necessary approved purchase or expense.
  • Any grant requests received after all funds have been depleted will be returned to the member.

What do I need to apply for a grant?

Our application process describes every step in detail. Talk to your Loss Control Field Representative or visit www.lgrms.com for more information and to download an application.

Leadership
GIRMA Board of Trustees

Annual Report
Download the 2014 Annual Report (PDF, 531KB)

Case Studies
Griffin Human Resources Director Explains Why He Loves GMA’s GIRMA Helpline
October 30, 2015
Miles Neville, Griffin’s Human Resources director, has worked in his field for more than 25 years. And as part of his experience, he knows that he doesn’t know it all. In this interview, Neville talks about why smaller cities espe­cially need expert legal advice about employment and labor law, why this kind of expertise supplements the great work of city attorneys, and why the GIRMA helpline price—free!—is hard to beat.


How It Works
GIRMA Helpline: How It Works
October 30, 2015
Members of GMA’s property and liabil­ity program, the Georgia Interlocal Risk Management Agency (GIRMA), receive exclusive access to a hotline, known as the GIRMA Helpline, which offers legal advice and practical guidance about a wide variety of personnel and employ­ment law issues—at no cost to mem­bers. 


News
GMA Property & Liability Program Announces $4.5 Million Renewal Credit for 2016
February 11, 2016
The board of trustees of GMA’s property and liability insurance program has declared a $4.5 million renewal credit for the May 1, 2016, renewal. The net effect of the renewal credit will be to reduce members' premium for the upcoming program year. 

GMA Property & Liability Program Announces $5 Million Dividend for 2015
April 13, 2015
The Board of Trustees of GMA’s property and liability insurance program has declared a $5 million dividend for the May 1, 2015, renewal. The net effect of the dividend will be to reduce members' premium for the upcoming program year. 

GMA Property & Liability Program Announces $5 Million Dividend for 2014
March 10, 2014
The Board of Trustees of GMA’s property and liability insurance program has declared a $5 million dividend for the May 1, 2014, renewal. The net effect of the dividend will be to reduce members' premium for the upcoming program year. 

Auburn Saves by Switching to GMA Insurance Program
September 5, 2012
During budget meetings, the council voted to accept the bid from the Georgia Interlocal Risk Management Agency (GIRMA), which is administered by GMA. The city’s former insurer, Traveler’s Insurance, charged Auburn $93,415 in 2011. The quote from GIRMA was $76,196 and was the lowest of the three bids the city received.
TAKE THE NEXT STEP
If you’re not insured through GIRMA, call us today. You can reach out to:
 
WHY GMA?
  • We’ve spent more than 25 years helping members like you with property and liability insurance.
  • Our membership-controlled fund has nearly 330 members.
  • Fund members have received $53 million in dividends (or renewal credits), significantly reducing the cost of coverage for the membership.