About the Pool
- The Pool is governed by a Board of Trustees comprised of county commissioners and county management staff who are responsible for the strategic direction of the Pool.
- As overseers of a nonprofit joint agency, the Board’s focus is on meeting the long-term needs of Pool members and not on short-term financial return.
- Trustees are appointed to three-year terms by the NCACC President. Should a trustee vacate their seat on the Board, the NCACC President will appoint a county official to complete the unexpired portion of their term.
- Trustees must represent a participating member county.
- Direction and authority is granted at quarterly meetings of the Board of Trustees, based on staff recommendations and feedback from individual members.
- Membership is open to all counties and to certain other county-related agencies.
- County-related agencies include consolidated city-counties, sanitary districts, facility authorities, special districts or other local political subdivision, authority or agency of local government.
- To be eligible for membership, county entities must also receive some budgetary funding from an NCACC member, formally apply for membership, comply with the Interlocal Agreement, and be consistent in its exposures to losses that are similar in scope to those of county government.
- The Pool's package policy provides multiple lines of coverage in one policy.
- The Pool initially offered general liability, auto liability, auto physical damage, crime and property coverages. The Pool expanded its coverage to include public officials and law enforcement in 1989 and, in 1992, at no cost to members, coverage of underground storage tanks was added. In 1999, coverage for environmental impairment liability was added, and coverage for employment practices liability was added in 2007. Finally, cyber liability coverage was added in 2014 and continues to be expanded to meet the coverage needs of our members.
- The Pool has created its own coverage documents to meet the specific needs of the counties.
- The coverage documents are reviewed annually for needed coverage enhancements based on claim issues or specific member needs, as well as for clarity and to ensure coverage is not needlessly duplicated across sections.
- Members’ contributions are experience rated, which means that a member’s own loss experience influences the contributions it will pay. This approach rewards members whose risk control activities have yielded reduced losses, and provides an incentive for members to initiate new efforts to control their liability and property losses. Members that choose to take advantage of a variety of available deductible options can realize additional savings.
- Rates may also be reduced through upfront discounts and other considerations as determined by the Board of Trustees.
- Safety Credit – Each County member has an assigned Risk Control Specialist who will conduct a biennial survey of each member county’s safety programs and policies. The credit earned through the member’s efforts to promote safe practices are then applied to their annual contribution for the next two years.
- Multi-Pool Discount – Counties and county entities who belong to both the Liability & Property and the Workers Compensation Pools receive a credit against their total annual contribution based on their number of full-time equivalent employees (FTEs) at the time of renewal.
- Longevity Bonus - In the Fall of 2017, staff was directed by the Board of Trustees to develop a method to reward long-time continuous multi-Pool members for their loyalty. The result is the new Longevity Bonus! Counties who have remained members of both Pools for at least 5 years attain Super Member status and will be rewarded with a Longevity Bonus based on the length of time they remain a Super Member. Furthermore, members may double their bonus by actively interacting and engaging with available NCACC Risk Management Services.
- To ensure that funds are available to meet the financial demands of claims and expenses, rates and loss reserves we are reviewed twice a year by an accredited actuarial firm. We further require an annual financial audit by a reputable Certified Public Accountant firm so members can be assured that the Pool is financially sound and solvent.
- Real and personal property is regularly appraised at no cost to participating members with detailed reports provided to document values to ensure full coverage for replacement cost (or reproduction cost for historic properties).
- Boiler and air tank inspections and certifications are done free of charge on request through a single, nationwide Inspection Hotline to comply with the Equipment Breakdown portion of the property coverage.
- The Pool has a network of property adjusters across the state to respond to any property losses that occur. Sedgwick CMS also has specialized CAT teams to assist in case of major disasters.
- Assistance is available to members on risk management issues regarding coverages, deductibles, contracts, limits, and expense allocations.
- The Pool has an on-staff General Counsel with extensive experience in county-specific issues.
- Pooling is a means of risk sharing among members. While pooling is not insurance, the Pool purchases reinsurance coverage to limit the impact of severe or frequent losses.
- Proactive risk management and loss control activities include concentrated attention to reducing exposures related to the operation of emergency vehicles and law enforcement detention centers with an emphasis on policy and procedures.
- Members have access free of charge to a wide range of risk control services that continue to be developed, initiated, and expanded:
- The Human Resources Legal Helpline provides specific legal advice when employment-related decisions with legal implications need to be made in a timely manner.
- The Cyber Liability Portal acts as both a vehicle to report and quickly get help when a data breach occurs, and also serves as a valuable information source on all aspects of cyber risk.
- Our online training management program, CountyCollege, has been expanded to give Members free access to more than 300 online courses, while simultaneously providing a platform for county management to assign, evaluate and track all employee training.
- Members continue to enjoy free access 150+ CountyFlix videos and an online library of Best Practices handouts, training presentations, policy manuals, and policy templates.
- Each member has an assigned Risk Control Specialists who can conduct on-site training on a wide range of risk control issues, as well as to inspect and evaluate each member’s premises and safety initiatives and assist members in developing their safety practices, policies, and protocols.
- A Law Enforcement Risk Control Specialist assists county Sheriffs and Jail Administrators statewide in addressing all law enforcement risk control issues and exposures.
- The FitResponder™ program and its Injury Free University provides valuable on-site and online training to address soft-tissue strain and sprain injuries within county First Responder agencies.
- It is the policy of the NCACC Liability & Property Pool to provide its Members prompt, high quality, cost effective legal representation.
- When losses do occur, comprehensive guidelines have been put in place to ensure we utilize the very best in legal counsel to provide seasoned, specialized representation on your behalf when and where it counts the most.
- For the last 37 years, we believe no standard “for profit” insurance carrier has defended more county-related liability cases in the State of North Carolina than the NCACC Governmental Risk Pools.