Georgia County Government - 2018 Member Services Guide - 22

ACCG Insurance Programs
Commitment to Safety Can Help Lower Insurance Costs: 
ACCG Programs include Risk Control Services 
 

ACCG MEMBER SERVICES

Can you name anything that your county purchased in 2011 that 
would cost less if they were to purchase the same item today?  In the 
case of property and liability insurance, there are some Georgia 
counties that are paying less insurance premiums today than they 
did in 2011.  Why?  Typically, it is because they have a good safety 
program in place that helps lessen their number of claims and also 
minimizes the financial impact of those incidents on the county. 
On the other hand, there are counties that have seen their insurance 
costs rise during the same period.  In some instances, the increased 
expenses result from growth within the county.  It is reasonable to 
assume that if a county has twice as many vehicles as they had years 
ago, their auto premium would increase significantly.  However, if 
growth is not the cause of a premium increase, it is likely due the 
number and severity of claims that have been presented by or 
against the county.   

COUNTIES WHOSE 
ACCG‐IRMA 
 2018‐19 PREMUMS 
ARE LESS THAN THEIR 
2011‐12 PREMIUMS  
Baker 
Clinch 
Mitchell 
Morgan 

Insurance premiums are based on a number of factors, including the 
Pike 
value of the property insured, the condition of the premises, or the 
number of vehicles in operation.  A major determining factor, 
however, is loss experience.  If a county has a history of having a 
higher‐than‐average number of claims with a higher‐than‐average 
cost, actuaries say that it is reasonable to assume that unless 
changes are made to prevent those losses, they will continue in the future.  While insurance is designed 
to spread the risk among all participants, a county that has repeated claims will be affected by those 
losses.  Those with fewer losses will be rewarded with lower premiums. 
Counties' insurance premiums can be impacted when policies and procedures designed to reduce losses 
are implemented, such as requiring employees to wear seatbelts and minimizing distracted driving.  If 
top management supports safety in the workplace, they can cultivate a culture designed around safety.  
They can make certain that the departments understand the impact of claims by implementing a budget 
in which departments share the costs when at‐fault accidents occur. It is unreasonable to assume that 
all claims can be prevented, but a good safety and loss prevention program will eliminate many claims 
and can lessen the cost of those claims that cannot be prevented. 
If you participate in ACCG's Property & Liability Insurance Program (ACCG‐IRMA) or its Workers' 
Compensation Program and want more information on establishing or improving your organization's 
safety and loss control program, contact Dan Beck at Local Government Risk Management Services 
(LGRMS) by calling 1‐800‐650‐3120 or 678‐686‐6279.  The cost for the ACCG Risk Control service through 
LGRMS is included in your ACCG‐IRMA premium, so there is no additional cost for services. There's only 
the upside of knowing that your loss control efforts can reduce your county's long‐term insurance costs 
and most importantly, that your employees, volunteers and citizens are safer. 
22

Georgia County Government



Table of Contents for the Digital Edition of Georgia County Government - 2018 Member Services Guide

ACCG District Map
ACCG Area Map
President’s Message
Director’s Desk
ACCG Board of Managers
ACCG Boards of Trustees and Directors
ACCG Staff
ACCG Insurance Programs
ACCG Technical Assistance
ACCG Equipment Leasing Program
ACCG Retirement Services
ACCG Partners Program Overview
Coast2Coast
Dude Solutions
Gas South
Georgia United Credit Union
GovDeals
Municode
U.S. Communities
ACCG Partners Alpha Listing
ACCG Partners Specialty Area Listing
Professional Directory Marketplace
Index of Advertisers
Advertisers.com
Georgia County Government - 2018 Member Services Guide - Intro
Georgia County Government - 2018 Member Services Guide - cover1
Georgia County Government - 2018 Member Services Guide - cover2
Georgia County Government - 2018 Member Services Guide - 3
Georgia County Government - 2018 Member Services Guide - 4
Georgia County Government - 2018 Member Services Guide - 5
Georgia County Government - 2018 Member Services Guide - 6
Georgia County Government - 2018 Member Services Guide - 7
Georgia County Government - 2018 Member Services Guide - ACCG District Map
Georgia County Government - 2018 Member Services Guide - ACCG Area Map
Georgia County Government - 2018 Member Services Guide - 10
Georgia County Government - 2018 Member Services Guide - President’s Message
Georgia County Government - 2018 Member Services Guide - Director’s Desk
Georgia County Government - 2018 Member Services Guide - ACCG Board of Managers
Georgia County Government - 2018 Member Services Guide - 14
Georgia County Government - 2018 Member Services Guide - 15
Georgia County Government - 2018 Member Services Guide - 16
Georgia County Government - 2018 Member Services Guide - ACCG Boards of Trustees and Directors
Georgia County Government - 2018 Member Services Guide - ACCG Staff
Georgia County Government - 2018 Member Services Guide - 19
Georgia County Government - 2018 Member Services Guide - 20
Georgia County Government - 2018 Member Services Guide - 21
Georgia County Government - 2018 Member Services Guide - ACCG Insurance Programs
Georgia County Government - 2018 Member Services Guide - 23
Georgia County Government - 2018 Member Services Guide - ACCG Technical Assistance
Georgia County Government - 2018 Member Services Guide - 25
Georgia County Government - 2018 Member Services Guide - ACCG Equipment Leasing Program
Georgia County Government - 2018 Member Services Guide - 27
Georgia County Government - 2018 Member Services Guide - ACCG Retirement Services
Georgia County Government - 2018 Member Services Guide - 29
Georgia County Government - 2018 Member Services Guide - ACCG Partners Program Overview
Georgia County Government - 2018 Member Services Guide - Coast2Coast
Georgia County Government - 2018 Member Services Guide - 32
Georgia County Government - 2018 Member Services Guide - 33
Georgia County Government - 2018 Member Services Guide - Dude Solutions
Georgia County Government - 2018 Member Services Guide - 35
Georgia County Government - 2018 Member Services Guide - Gas South
Georgia County Government - 2018 Member Services Guide - 37
Georgia County Government - 2018 Member Services Guide - Georgia United Credit Union
Georgia County Government - 2018 Member Services Guide - 39
Georgia County Government - 2018 Member Services Guide - GovDeals
Georgia County Government - 2018 Member Services Guide - 41
Georgia County Government - 2018 Member Services Guide - Municode
Georgia County Government - 2018 Member Services Guide - 43
Georgia County Government - 2018 Member Services Guide - U.S. Communities
Georgia County Government - 2018 Member Services Guide - 45
Georgia County Government - 2018 Member Services Guide - 46
Georgia County Government - 2018 Member Services Guide - ACCG Partners Alpha Listing
Georgia County Government - 2018 Member Services Guide - 48
Georgia County Government - 2018 Member Services Guide - 49
Georgia County Government - 2018 Member Services Guide - 50
Georgia County Government - 2018 Member Services Guide - 51
Georgia County Government - 2018 Member Services Guide - ACCG Partners Specialty Area Listing
Georgia County Government - 2018 Member Services Guide - Professional Directory Marketplace
Georgia County Government - 2018 Member Services Guide - Advertisers.com
Georgia County Government - 2018 Member Services Guide - cover3
Georgia County Government - 2018 Member Services Guide - cover4
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http://www.nxtbook.com/naylor/ACGA/ACGA0117
http://www.nxtbook.com/naylor/ACGA/ACGA0016
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http://www.nxtbook.com/naylor/ACGA/ACGA0015
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