Office of Program Policy Analysis and Government Accountability
Office of Program Policy Analysis and Government Accountability

Department of Financial Services

State Property and Casualty Claims

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For assistance, call 850-413-3120 or visit https://www.myfloridacfo.com/division/risk

What is the purpose of the program?

The State Property Program, also known as the State Property and Casualty Claims Program, which is administered by the Division of Risk Management, ensures that state agencies are provided quality insurance coverage at reasonable rates through a self-insured program, claims handling services, and technical assistance in loss prevention and managing risks.

What services does the program provide?

In accordance with Ch. 284, Florida Statutes, the program provides the following self-insured coverage through a self-insured program: workers' compensation, general liability, employment discrimination, federal civil rights, auto liability, and property. It also provides for the purchase of excess insurance, when appropriate.  

How are program services provided?

The Division of Risk Management, which administers the State Property and Casualty Claims program, provides services to participating state agencies via three bureaus.

  • Risk Financing and Loss Prevention provides administrative support to the division, including cash management for the division's annual budget, calculating casualty and property premiums for the division's customers, monitoring the division's contracts, and providing data management and information technology support. It also contains the Loss Prevention section, which provides training and consultative services to agency safety coordinators, conducts agency loss prevention and safety program reviews, monitors agency return-to-work programs, and provides administrative support to the Interagency Advisory Council on Loss Prevention.
  • State Employee Workers' Compensation Claims administers all workers' compensation claims filed by state employees and volunteers who are injured on the job. The bureau typically receives 12,000 new claims each year and is primarily responsible for ensuring that covered individuals receive timely benefits, while safeguarding the state from instances of fraud, waste, and abuse.
  • State Liability and Property Claims investigates and resolves/settles liability and property claims involving or against state agencies. 

What are recent claims payment trends?

In Fiscal Year 2021-22, the State Risk Management Trust Fund paid $150.8 million for workers' compensation, general and automobile liability, federal civil rights and employment discrimination, property claims, and firefighter cancer benefits. The amount paid by claim type is listed below.

Risk Management Claims Paid in Fiscal Year 2021-22  
Claim Type Amount Paid1
Workers' Compensation $120,323,073
Property $4,957,047
Federal Civil Rights and Employment Discrimination $11,208,178
General and Automobile Liability $14,329,092
Firefighter Cancer Benefits$25,000
Total $150,842,390
1 Source: Department of Financial Services, Division of Risk Management.  

How are these activities funded?

Fiscal Year: 2023-24
Fund Dollars Positions
PROGRAM: STATE PROPERTY AND CASUALTY CLAIMS
STATE SELF-INSURED CLAIMS ADJUSTMENT
95,942,499
116.00
TOTAL
95,942,499
116.00

Where can I find related OPPAGA reports?

A complete list of related OPPAGA reports is available on our website.

Where can I get more information?

Division of Worker's Compensation Reports
Florida Department of Financial Services, Division of Worker's Compensation reports

Other Reports
Fiscal Year 2021-22 Annual Report, Florida Department of Financial Services, Division of Risk Management
Unclaimed Property Management Information System (UPMIS), Auditor General Report 2018-210, June 2018. 
Monthly Newsletters, National Institute for Occupational Safety and Health
Loss Prevention Newsletter, Florida Department of Financial Services, Division of Risk Management

Websites of Interest
Federal Emergency Management Agency, Federal Insurance & Mitigation Administration
Public Agency Risk Managers Association
Public Risk Management Association

Performance Information


Performance measures and standards for the department may be found in its Long Range Program Plan.

What are the applicable statutes?

Chapters 284 and 440, Florida Statutes

Whom do I contact for help?

Division of Risk Management, 850-413-3120
Website