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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 Lithonia Housing Authority
Abbeville Housing Authority Locust Grove
Acworth Loganville
Adel Lookout Mountain
Adrian Lovejoy
Ailey Ludowici
Alamo Lula
Alamo Housing Authority Lumber City
Alapaha Lumber City Housing Authority
Albany Housing Authority Luthersville
Allentown Lyerly
Alma Housing Authority Lyons
Alto Lyons Housing Authority
Americus Macon-Bibb County Planning & Zoning Commission
Americus Housing Authority Macon-Bibb Industrial Authority
Andersonville Madison
Arabi Manchester Housing Authority
Aragon Mansfield
Arcade Marietta Housing Authority
Argyle Marshallville
Arlington McCaysville Housing Authority
Ashburn Housing Authority McDonough
Athens Housing Authority McDonough Housing Authority
Atlanta Regional Commission McIntyre
Atlanta/Fulton Cty Recreation Authority McRae Housing Authority
Attapulgus McRae-Helena
Auburn Meansville
Augusta Housing Authority Meigs
Avera 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
Bethlehem Monticello
Blackshear Monticello Housing Authority
Blairsville Morganton
Blakely Morrow
Blakely Housing Authority Morven
Bloomingdale Moultrie
Blue Ridge Moultrie Colquitt County Parks & Recreation Authority
Blue Ridge Housing Authority Moultrie Housing Authority
Blythe Mount Airy
Bogart Mount Vernon
Boston Mount Vernon Housing Authority
Bowman Mountain City
Braselton Mountain Park
Bremen Housing Authority Nahunta Housing Authority
Brinson Nashville Housing Authority
Bronwood Nelson
Brookhaven Newborn
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
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
Cobbtown Patterson
Cochran Housing Authority Pavo
Cohutta Peachtree City
Colbert Peachtree City Airport Authority
College Park Housing Authority Peachtree City W&S Authority
Collins Peachtree Corners
Colquitt Housing Authority Pelham
Comer Pelham Housing Authority
Commerce Pembroke
Commerce Housing Authority Pendergrass
Concord Perry Housing Authority
Conyers Pine Lake
Conyers Housing Authority Pinehurst
Coolidge Pineview
Cordele Plains
Cordele Housing Authority Plainville
Cornelia Pooler
Covington Housing Authority Port Wentworth
Crawfordville Portal
Crawfordville Housing Authority Porterdale
Culloden Poulan
Cumming Powder Springs
Cumming Housing Authority Rebecca
Cuthbert Register
Cuthbert Housing Authority Reidsville Housing Authority
Dahlonega Remerton
Dahlonega Housing Authority Resaca
Dallas Reynolds
Dallas Housing Authority Rhine
Dalton Housing Authority Riceboro
Danielsville Richland
Danielsville Housing Authority Rincon
Danville Ringgold Housing Authority
Darien River Valley Regional Commission
Davisboro Roberta
Dawsonville Roberta Housing Authority
Deepstep Rochelle Housing Authority
Demorest 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 Savannah Housing Authority
Eatonton Housing Authority Scotland
Elberton Screven
Elberton Housing Authority Senoia
Ellaville Senoia Housing Authority
Ellenton Shellman
Ellijay Housing Authority Siloam
Emerson Sky Valley
Enigma Smithville
Eton Smyrna
Fairburn Snellville
Fairburn Housing Authority Social Circle
Fairmount Soperton
Fargo Soperton Housing Authority
Fitzgerald Housing Authority South Fulton
Flint Area Consolidated Housing Authority Southeast GA Consolidated Housing Authority
Flovilla Southern Georgia Regional Commission
Flowery Branch Sparks
Forsyth Sparta Housing Authority
Fort Gaines Springfield
Fort Oglethorpe Housing Authority St. Marys
Fort Valley Housing Authority Stapleton
Fort Valley Utility Commission Statesboro Housing Authority
Franklin Housing Authority Statham
Franklin Springs Stillmore
Gainesville Housing Authority Sugar Hill
Garden City Summerville
Georgia Mountains Regional Commission Summerville Housing Authority
Gibson Swainsboro Housing Authority
Glennville Housing Authority Sycamore
Glenwood Sylvania
Glenwood Housing Authority Sylvester
Gordon Sylvester Housing Authority
Grantville Talbotton
Grayson Tallapoosa
Greensboro Tallapoosa Housing Authority
Greensboro Housing Authority Tallulah Falls
Greenville Housing Authority Tennille Housing Authority
Griffin Thomaston Housing Authority
Guyton Thomasville Housing Authority
Hagan Thomson
Hahira Thomson Housing Authority
Hampton Tifton
Hampton Housing Authority Tifton Housing Authority
Harlem Tignall
Harlem Housing Authority Toccoa
Harrison Toomsboro
Hartwell Trenton
Hartwell Housing Authority Tri-City Housing Authority
Hawkinsville Trion
Hawkinsville Housing Authority Tucker
Hazlehurst Housing Auth. Tunnel Hill
Heart of Georgia Regional Airport Turin
Helen Twin City
Hephzibah Ty Ty
Hiawassee Tybee Island
Hiltonia Tyrone
Hinesville Unadilla
Hiram Unadilla Housing Authority
Hoboken Union City
Hogansville Housing Authority Union City Housing Authority
Holly Springs Union Point
Homeland Union Point Housing Authority
Homer Uvalda
Homerville Valdosta-Lowndes County Parks and Recreation Authority
Hoschton Varnell
Ideal Vidalia
Iron City Vidalia Housing Authority
Irwinton Vienna
Ivey Villa Rica Housing Authority
Jackson Housing Authority Waco
Jasper Housing Authority Wadley
Jefferson Waleska
Jefferson Housing Authority Walnut Grove
Jeffersonville Walthourville
Jenkinsburg Warm Springs
Jesup Housing Authority Warner Robins Housing Authority
Jonesboro Housing Authority Warrenton
Junction City Warrenton Housing Authority
Kennesaw Warwick
Kingsland Washington
Kingston Washington Housing Authority
Kite Washington-Wilkes Parks & Rec.
LaFayette Waverly Hall
LaFayette Housing Authority Waycross Housing Authority
LaGrange Housing Authority Whigham
Lake City White
Lake Park White Plains
Lavonia Whitesburg
Lavonia Housing Authority Willacoochee
Lawrenceville Housing Authority Williamson
Leesburg Winder
Lenox Winterville
Leslie Woodbine
Lexington Wrens
Liberty Consolidated Planning Commission Wrightsville
Lincolnton Wrightsville Housing Authority
Lincolnton Housing Authority 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 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.

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