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Property and Liability Insurance Fund


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.


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)


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.


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

GIRMA Board of Trustees

Annual Report

Case Studies

Town of Register Receives $11,000 Check from GIRMA Two Days After Town Hall Burns Down Town of Register Receives $11,000 Check from GIRMA Two Days After Town Hall Burns Down 
November 27, 2017
The Town of Register’s town hall, a historic former one-room schoolhouse, burned to the ground in early April 2017. GMA—through its GIRMA program—arrived the next day with a check in hand for $11,000 to immediately help the town.

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. 


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.

If you’re not insured through GIRMA, call us today. You can reach out to:
  • 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.