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Workers' Compensation Self-Insurance Fund


With a typical insurance provider, you’re a number. With GMA, you’re a valued member. Our Workers’ Compensation Self-Insurance Fund gives you benefits far beyond basic coverage. Learn how to reduce your costs, minimize your risk, and connect with funding opportunities for workplace safety efforts.


Our Workers’ Compensation Self-Insurance Fund features benefits we customized based on more than 30 years of feedback from members like you.
  • Minimize lawsuits through statutory coverage. With statutory coverage (the minimum amount of coverage required by state law), injured employees receive basic remuneration to cover a wide variety of workplace incidents without any legal fault to you. That means you don’t go through the pain of costly lawsuits or appear to the public that you’re avoiding responsibility.
  • Enjoy a GMA-member owned and controlled fund. You’re not an anonymous member of a giant insurance pool. Instead, feel peace of mind knowing that Georgia municipalities, municipal authorities and commissions, housing authorities, regional commissions, and municipal school districts own and control the fund.
  • Prevent employee accidents before they happen. We offer proactive safety and risk control services including:
    • Loss control field service and individual member problem analysis to help you create safer work environments and take a look at your specific problems.
    • Onsite and regional training to help communicate the basics of safety and risk control to your staff while also talking about the latest developments in workers’ compensation law and practices.
    • Plenty of research and resources including a video lending library, periodic safety and risk control publications, and other communication materials.
  • Communicate easily about claims. We offer an online portal, a toll-free telephone number, or fax number for submitting claims. Whatever’s easiest for you.
  • Take advantage of grant opportunities to help fund worker safety initiatives. 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.


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

Am I Eligible?

You are eligible for GMA’s Workers’ Compensation Fund if you’re a:
  • Municipality
  • Municipal authority
  • Municipal commission
  • Housing authority
  • Regional commission
  • Municipal school district


Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.


Abbeville Lithonia
Abbeville Housing Authority Lithonia Housing Authority
Acworth Locust Grove
Adel Loganville
Adrian Lookout Mountain
Ailey Lovejoy
Alamo Ludowici
Alamo Housing Authority Lula
Alapaha Lumber City
Albany Housing Authority Lumber City Housing Authority
Allentown Luthersville
Alma Housing Authority Lyerly
Alto Lyons
Americus Lyons Housing Authority
Americus Housing Authority Macon-Bibb County Planning & Zoning Commission
Andersonville Macon-Bibb Industrial Authority
Arabi Madison
Aragon Manchester Housing Authority
Arcade Mansfield
Argyle Marietta Housing Authority
Arlington Marshallville
Ashburn Housing Authority McCaysville Housing Authority
Athens Housing Authority McDonough
Atlanta Regional Commission McDonough Housing Authority
Atlanta/Fulton Cty Recreation Authority McIntyre
Attapulgus McRae Housing Authority
Auburn McRae-Helena
Augusta Housing Authority Meansville
Avera Meigs
Avondale Estates Menlo
Baconton Menlo Housing Authority
Bainbridge Metter
Bainbridge Decatur County Recreation Authority Metter Housing Authority
Bainbridge Housing Authority Midville
Baldwin Midway
Ball Ground Milan
Barnesville Milledgeville Housing Authority
Barnesville Housing Authority Millen
Bartow Milner
Barwick Milton
Baxley Housing Authority Mitchell
Bellville Molena
Berkeley Lake Monroe
Berlin Montezuma
Blackshear Monticello
Blairsville Monticello Housing Authority
Blakely Morganton
Blakely Housing Authority Morrow
Bloomingdale Morven
Blue Ridge Moultrie
Blue Ridge Housing Authority Moultrie Colquitt County Parks & Recreation Authority
Blythe Moultrie Housing Authority
Bogart Mount Airy
Boston Mount Vernon
Bowman Mount Vernon Housing Authority
Braselton Mountain City
Bremen Housing Authority Mountain Park
Brinson Nahunta Housing Authority
Bronwood Nashville Housing Authority
Brookhaven Nelson
Brooklet Newington
Brunswick Housing Authority Newnan
Buford Housing Authority Newnan Housing Authority
Byron Housing Authority Newnan Utilities
Cairo Newton
Cairo Housing Authority Nicholls
Calhoun Nicholls Housing Authority
Calhoun Housing Authority Nicholson
Camilla Norcross Housing Authority
Camilla Housing Authority Norman Park
Canon North High Shoals
Carlton Northeast Georgia Housing Authority
Carrollton Northwest Georgia Housing Authority
Carrollton Housing Authority Norwood
Cave Spring Oak Park
Cave Spring Housing Authority Oakwood
Cedartown Ochlocknee
Centerville Ocilla
Chamblee Ocilla Housing Authority
Chatsworth Housing Authority Oconee
Chatsworth Water Works Commission Odum
Chester Oglethorpe
Clarkston Oliver
Claxton Omega
Claxton Housing Authority Oxford
Clayton Palmetto
Clayton Housing Authority Palmetto Housing Authority
Clermont Parrott
Climax Patterson
Cobbtown Pavo
Cochran Housing Authority Peachtree City
Cohutta Peachtree City Airport Authority
Colbert Peachtree City W&S Authority
College Park Housing Authority Peachtree Corners
Collins Pelham
Colquitt Housing Authority Pelham Housing Authority
Comer Pembroke
Commerce Pendergrass
Commerce Housing Authority Perry Housing Authority
Concord Pine Lake
Conyers Pinehurst
Conyers Housing Authority Pineview
Coolidge Plains
Cordele Plainville
Cordele Housing Authority Pooler
Cornelia Port Wentworth
Covington Housing Authority Portal
Crawfordville Porterdale
Crawfordville Housing Authority Poulan
Culloden Powder Springs
Cumming Rebecca
Cumming Housing Authority Register
Cuthbert Reidsville Housing Authority
Cuthbert Housing Authority Remerton
Dahlonega Resaca
Dahlonega Housing Authority Reynolds
Dallas Rhine
Dallas Housing Authority Riceboro
Dalton Housing Authority Richland
Danielsville Rincon
Danielsville Housing Authority Ringgold Housing Authority
Danville River Valley Regional Commission
Darien Roberta
Davisboro Roberta Housing Authority
Dawsonville Rochelle Housing Authority
Deepstep Rockmart
Demorest Rocky Ford
Dexter Rome
Dillard Rossville
Doerun Roswell Housing Authority
Douglas Housing Authority Royston Housing Authority
Douglasville Rutledge
Dublin Sale City
Dublin Housing Authority Sandersville
Dublin-Laurens County Recreation Authority Sandersville Housing Authority
East Ellijay Sandy Springs
East Point Housing Authority Sardis
Eastman Sasser
Eastman Housing Authority Savannah Housing Authority
Eatonton Scotland
Eatonton Housing Authority Screven
Elberton Senoia
Elberton Housing Authority Senoia Housing Authority
Ellaville Shellman
Ellenton Siloam
Ellijay Housing Authority Sky Valley
Emerson Smithville
Enigma Smyrna
Eton Snellville
Fairburn Social Circle
Fairburn Housing Authority Soperton
Fairmount Soperton Housing Authority
Fargo South Fulton
Fitzgerald Housing Authority Southeast GA Consolidated Housing Authority
Flint Area Consolidated Housing Authority Southern Georgia Regional Commission
Flovilla Sparks
Flowery Branch Springfield
Forsyth St. Marys
Fort Gaines Stapleton
Fort Oglethorpe Housing Authority Statesboro Housing Authority
Fort Valley Housing Authority Statham
Fort Valley Utility Commission Stillmore
Franklin Sugar Hill
Franklin Housing Authority Summerville
Franklin Springs Summerville Housing Authority
Gainesville Housing Authority Suwanee
Garden City Swainsboro Housing Authority
Georgia Mountains Regional Commission Sycamore
Gibson Sylvania
Glennville Housing Authority Sylvester
Glenwood Sylvester Housing Authority
Glenwood Housing Authority Talbotton
Gordon Tallapoosa
Grantville Housing Authority of the City of Tallapoosa
Grayson Tallulah Falls
Greensboro Temple
Greensboro Housing Authority Tennille Housing Authority
Greenville Housing Authority Thomaston Housing Authority
Griffin Thomasville Housing Authority
Guyton Thomson
Hagan Thomson Housing Authority
Hahira Tifton
Hampton Tifton Housing Authority
Hampton Housing Authority Tignall
Harlem Toccoa
Harlem Housing Authority Toomsboro
Harrison Trenton
Hartwell Tri-City Housing Authority
Hartwell Housing Authority Trion
Hawkinsville Tucker
Hawkinsville Housing Authority Tunnel Hill
Hazlehurst Housing Auth. Turin
Heart of Georgia Regional Airport Twin City
Helen Ty Ty
Hephzibah Tybee Island
Hiawassee Tyrone
Hiltonia Unadilla
Hinesville Unadilla Housing Authority
Hiram Union City
Hoboken Union City Housing Authority
Hogansville Housing Authority Union Point
Holly Springs Union Point Housing Authority
Homeland Uvalda
Homer Valdosta-Lowndes County Parks and Recreation Authority
Homerville Varnell
Hoschton Vidalia
Ideal Vidalia Housing Authority
Iron City Vienna
Irwinton Villa Rica Housing Authority
Ivey Waco
Jackson Housing Authority Wadley
Jasper Housing Authority Waleska
Jefferson Walnut Grove
Jefferson Housing Authority Walthourville
Jeffersonville Warm Springs
Jenkinsburg Warner Robins Housing Authority
Jesup Housing Authority Warrenton
Jonesboro Housing Authority Warrenton Housing Authority
Junction City Warwick
Kennesaw Washington
Kingsland Washington Housing Authority
Kingston Washington-Wilkes Parks & Rec.
Kite Waverly Hall
LaFayette Waycross Housing Authority
LaFayette Housing Authority Whigham
LaGrange Housing Authority White
Lake City White Plains
Lake Park Whitesburg
Lavonia Willacoochee
Lavonia Housing Authority Williamson
Lawrenceville Housing Authority Winder
Leesburg Winterville
Lenox Woodbine
Leslie Wrens
Lexington Wrightsville
Liberty Consolidated Planning Commission Wrightsville Housing Authority
Lincolnton Young Harris
Lincolnton Housing Authority

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 2018 grant applications on February 1, 2018.
  • All grant applications must be received or post marked before October 31, 2018.

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. Download the application.

If you’re not insured with GMA’s Workers’ Compensation Fund, call us today. You can reach out to:
  • We have 30 years of experience with workers’ compensation insurance.