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.

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.

Three bureaus within the Division of Risk Management provide services to participating state agencies.

• 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.  The types of coverage the division provides includes property, general liability, automobile liability, federal civil rights/employment discrimination, and court awarded attorney fees.  

In Fiscal Year 2019-20, the State Risk Management Trust Fund paid $144.4 million for workers' compensation, general and automobile liability, federal civil rights and employment discrimination, and property claims. The amount paid by claim type is listed below.

Risk Management Claims Paid in Fiscal Year 2019-20
Claim Type	Amount Paid1
Workers' Compensation	$106,465,574
Property	$19,930,403
Federal Civil Rights and Employment Discrimination	$7,117,090
General and Automobile Liability	$10,920,295
Total	$144,433,362
1Source:Department of Financial Services, Division of Risk Management.

Other Reports
Florida Division of Worker's Compensation 2020 COVID-19 Report, September 2020.

Fiscal Year 2020 Annual Report, Division of Risk Management, Department of Financial Services.
Monthly Newsletters, The National Institute for Occupational Safety and Health.
Loss Prevention Newsletter, 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.

Chapters 284 and 440, Florida Statutes.

Division of Risk Management, 850-413-3120

Website