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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
If you’re not insured with GMA’s Workers’ Compensation Fund, call us today. You can reach out to Stan Deese at (678) 686-6221 or Eileen Thomas at (678) 686-6232. You may call toll-free at (888) 488-4462.
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.


Abbeville Lincolnton Housing Authority
Abbeville Housing Authority Lithonia
Acworth Lithonia Housing Authority
Adel Locust Grove
Adrian Loganville
Ailey Lookout Mountain
Alamo Lovejoy
Alamo Housing Authority Ludowici
Alapaha Lula
Albany Housing Authority Lumber City
Allentown Lumber City Housing Authority
Alma Housing Authority Luthersville
Alto Lyerly
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
Baconton Menlo
Bainbridge Menlo Housing Authority
Bainbridge Decatur County Recreation Authority Metter
Bainbridge Housing Authority Metter Housing Authority
Baldwin Midville
Ball Ground Midway
Barnesville Milan
Barnesville Housing Authority Milledgeville Housing Authority
Bartow Millen
Barwick Milner
Baxley Housing Authority Milton
Bellville Mitchell
Berkeley Lake Molena
Berlin Monroe
Bethlehem 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 Newborn
Brunswick Housing Authority Newington
Buford Housing Authority Newnan
Byron Housing Authority Newnan Housing Authority
Cadwell 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
Cedartown Oakwood
Centerville Ochlocknee
Chamblee Ocilla
Chatsworth Housing Authority Ocilla Housing Authority
Chatsworth Water Works Commission Oconee
Chester Odum
Clarkston Oglethorpe
Claxton Oliver
Claxton Housing Authority Omega
Clayton Oxford
Clayton Housing Authority Palmetto
Clermont Palmetto Housing Authority
Climax Parrott
Cobb-Marietta Coliseum & Exhibit Hall Authority Patterson
Cobbtown Pavo
Cochran Peachtree City
Cochran Housing Authority Peachtree City Airport Authority
Cohutta Peachtree City W&S Authority
Colbert Peachtree Corners
College Park Housing Authority Pelham
Collins Pelham Housing Authority
Colquitt Housing Authority Pembroke
Comer Pendergrass
Commerce Perry Housing Authority
Commerce Housing Authority Pine Lake
Concord Pinehurst
Conyers Pineview
Conyers Housing Authority Plains
Coolidge Plainville
Cordele Pooler
Cordele Housing Authority Port Wentworth
Cornelia Portal
Covington Housing Authority Porterdale
Crawfordville Poulan
Crawfordville Housing Authority Powder Springs
Culloden Rebecca
Cumming Register
Cumming Housing Authority Reidsville Housing Authority
Cuthbert Remerton
Cuthbert Housing Authority Resaca
Dahlonega Reynolds
Dahlonega Housing Authority Rhine
Dallas Riceboro
Dallas Housing Authority Richland
Dalton Housing Authority Rincon
Danielsville Ringgold
Danielsville Housing Authority Ringgold Housing Authority
Danville River Valley Regional Commission
Darien Roberta
Davisboro Roberta Housing Authority
Dawsonville Rochelle Housing Authority
Deepstep Rockmart
Dexter Rocky Ford
Dillard Rome
Doerun Rossville
Douglas Housing Authority Roswell Housing Authority
Douglasville Royston Housing Authority
Dublin Rutledge
Dublin Housing Authority Sale City
Dublin-Laurens County Recreation Authority Sandersville
East Ellijay Sandersville Housing Authority
East Point Housing Authority Sandy Springs
Eastman Sardis
Eastman Housing Authority Sasser
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 Sparta Housing Authority
Forsyth Springfield
Fort Gaines St. Marys
Fort Oglethorpe Housing Authority Stapleton
Fort Valley Housing Authority Statesboro Housing Authority
Fort Valley Utility Commission Statham
Franklin Housing Authority Stillmore
Franklin Springs Sugar Hill
Gainesville Housing Authority Summerville
Garden City Summerville Housing Authority
Georgia Mountains Regional Commission Swainsboro Housing Authority
Gibson Sycamore
Glennville Housing Authority Sylvania
Glenwood Sylvester
Glenwood Housing Authority Sylvester Housing Authority
Gordon Talbotton
Grantville Tallapoosa
Grayson Tallapoosa Housing Authority
Greensboro Tallulah Falls
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 Union Point
Hogansville Housing Authority Union Point Housing Authority
Holly Springs Uvalda
Homeland Valdosta-Lowndes County Parks and Recreation Authority
Homer Varnell
Homerville Vidalia
Hoschton Vidalia Housing Authority
Ideal Vienna
Iron City Villa Rica Housing Authority
Irwinton Waco
Ivey Wadley
Jackson Housing Authority Waleska
Jasper Housing Authority Walnut Grove
Jefferson Walthourville
Jefferson Housing Authority Warm Springs
Jeffersonville Warner Robins Housing Authority
Jenkinsburg Warrenton
Jesup Housing Authority Warrenton Housing Authority
Jonesboro Housing Authority Warwick
Junction City Washington
Kennesaw Washington Housing Authority
Kingsland Washington-Wilkes Parks & Rec.
Kingston Waverly Hall
Kite Waycross Housing Authority
LaFayette Whigham
LaFayette Housing Authority White
LaGrange Housing Authority White Plains
Lake City Whitesburg
Lake Park Willacoochee
Lavonia Williamson
Lavonia Housing Authority Winder
Lawrenceville Housing Authority Winterville
Leesburg Woodbine
Lenox Wrens
Leslie Wrightsville
Lexington Wrightsville Housing Authority
Liberty Consolidated Planning Commission 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 begin reviewing 2018 grant applications on February 1, 2019.
  • All grant applications must be received or post marked before October 31, 2019.

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.

CONTACT US ABOUT THE Workers' Compensation Insurance Fund
  • We have 30 years of experience with workers’ compensation insurance.