The North Carolina Association of County Commissioners (NCACC) created the Liability and Property Pool in 1986. At that time, insurance rates were escalating rapidly and the traditional insurance market could not provide the coverages that were needed to meet county-specific needs. Certain types of coverages were either priced too high or were completely unavailable to local governments. The Pool was created to help counties jointly manage this risk and prevent future insurance market changes from creating havoc on county budgets.
Association staff manages the day-to-day operations of the pool. Third party administrator Sedgwick Claims Management Services, Inc. (SCMS) processes the Pool’s claims, providing prompt and responsive service under the oversight of Association staff and the Pool’s Board of Trustees, In 1986, the Pool began with 16 members. Today, the NCACC Property and Liability Pool is the premier PandL carrier for county governments, representing a majority of counties statewide.