What is it?

Minimizing Risk and Protecting Against Liability — founding principles that drive the mission of the Florida Association of Counties Trust (FACT). As a pooled risk-sharing program created by counties for counties, FACT’s commitment to protecting Florida’s counties is unmatched. FACT does more than provide outstanding coverage. Participating counties are treated like family, with the highest level of attention and customer service to meet their individual needs. The program covers counties, their boards and commissions, elected and appointed officials, and employees and registered volunteers.

Key Features

  • Established in 1989, FACT is governed by a Board of Trustees made up of program participants

  • As a non-profit, FACT operates in the public interest, not in the interest of shareholders

  • Proven ability to control costs by reducing liability exposure

  • Access to the “Just Call” hotline for HR and employment law questions

  • Competitive, stable pricing that is reasonable and predictable

  • Broad risk management services that are an extension of your staff

  • Aggressive claims management and defense of questionable claims

  • Coverage options include:

    • General Liability

    • Automobile Liability

    • Personal Injury Liability

    • Federal Civil Rights Liability

    • Errors and Omissions Liability

    • Law Enforcement Liability


Stay up-to-date on all that’s happening with FACT! Click here to check out their upcoming events.

Board of Trustees

For a complete list of the FACT Board of Trustees, please click here.

Contact Information

Need to know who to contact about participating in the FACT General & Auto Liability program? Click here to get in touch with their Program Specialist.