• Cities, Counties, Towns

    With our broadest coverages and services, we meet the unique needs of Virginia municipalities, from the smallest to the largest.

  • Water & Wastewater

    We provide the broadest coverage to water and wastewater authorities, along with training, contract review, and property appraisals.

  • Schools

    We provide school divisions with peace of mind, knowing they are protected with the broadest property and liability protections.

  • Authorities

    We protect a wide range of authorities who provide essential services to Virginia’s communities. We are here to support them every step of the way.

Coverages & Services for:Cities, Counties, TownsWater & WastewaterSchoolsAuthorities

Why VRSA?


Welcome to the Virginia Risk Sharing Association. We are here to protect our members, and their employees, so they can effectively serve their communities.

As a truly member-owned and governed organization, we are committed to providing stable rates and dependable coverages to ease members' worries.

All Your Needs Under One Roof

Our broadest protections cover a wide range of exposures, designed to give members peace of mind. In addition to providing coverage and managing claims, we offer unmatched training and education.

What Sets Us Apart

Our member relationship is distinct from that of a brokerage, agency, or other pools, to their customers and clients. We exist solely to serve our members.

  • Grants

    We distribute grants each year to assist members in preventing or reducing losses. A portion of these funds is earmarked to support professional management and leadership training.

  • Broadest Coverages

    We offer the broadest protections tailored to our members’ interests. With an average claim acceptance rate of 85 percent, we deliver on our promise to pay and provide budgetary protections that matter.

  • Cybersecurity

    We were the first Virginia pool to provide cyber protections as well as a cyber defense attorney to manage incidents. We offer a security self-assessment, sample incident response plans, training, and more.

  • Your Team

    Members are assigned a team to ensure familiarity. Our staff handles and manages claims, and our coverage specialists ensure proper protections are in place.
     

  • Consulting

    We offer free consulting services with selected coverages in the areas of human resources, public safety, local government, and communications.

  • Services

    • In-person and virtual education and training
    • Contract review
    • Site and security inspections
    • Sample policies and procedures
    • Updated, valid panel of physicians
    • Independent, licensed property appraisals