The city's Bureau of Risk Management directs strategic planning, provides operational control and establishes rules, policies and procedures to
accomplish risk management goals related to employee and workplace safety, loss control, claims, insurance and self-insurance program
Our mission is to protect the employees and assets of the city of Richmond from loss and damage and provide effective, proactive risk management.
The city is committed to the preservation and protection of its human, physical, and financial assets. This policy builds on this
commitment by providing the policy of risk management, including the objectives of the risk management program and the
responsibilities of all city employees.
The city of Richmond is responsible to its employees, citizens and visitors for the preservation and protection of human and physical assets.
The city administration takes this responsibility seriously and is committed to a comprehensive risk management program.
Each agency must be committed to a risk management, safety and loss prevention program. All levels of management are inherently
responsible for promptly resolving exposures to loss and insuring that all employees comply with appropriate policies and procedures
to insure their safety and the well being of those around them.
The Bureau of Risk Management is responsible for directing and coordinating all functions relative to the Risk Management Program. The Risk
Manager will work with agency heads and other managers and employees to identify and respond to issues concerning the program and to provide
training and education on safety and risk reduction.
Risk Management Objectives
- To provide to the extent possible an exposure-free work and service environment for employees, citizens and visitors
To protect and preserve city assets and work force; wherever possible, against losses which could deplete city resources or impair the city's
ability to meet its legal obligations to provide services to its citizens
To institute all practical measures to eliminate or control injury to citizens, employees and visitors; loss to property or
other loss producing conditions
- To implement sound business practices of risk financing that protect the city against catastrophic loss
- To administer claims against the city ethically, efficiently and in the best interests of the city
Bureau of Risk Management
900 E. Broad St.,10th Floor, Room 1000
Richmond, VA 23219
City Safety Officers
Property & Casualty Insurance
Property & Casualty Insurance Manages the county property & casualty insurance programs including but not limited to:
- County Owned Building & Contents
- Special Property Risks
- Boiler & Machinery
- Automobile Physical Damage
- Automobile Liability
- General Liability
- Fidelity Bonds
Safety & Loss Prevention
The Safety & Loss Prevention unit established within the Bureau with the express intent to coordinate and monitor city operations in
order to reduce accidents, losses, and associated costs.
This unit also administers the county Workers' Compensation, vehicle insurance (Automobile Liability), and Property and Casualty
Workers' Compensation Insurance
Workers' compensation is a benefits program created by state law that provides medical, rehabilitation, income, death and other
benefits to employees and dependents due to injury, illness and death resulting from a compensable work-related claim covered by the
If you are injured on the job, you have certain rights, benefits and responsibilities. Your employer also has obligations and responsibilities
regarding all employees.
The main focus of the city of Richmond Bureau of Risk Management Workers' Compensation unit is to assist job-related injured workers in
receiving immediate and quality medical care, to administer workers' compensation claims from the initial injury until the closing of the
claim, and to safely return lost time employees to productive employment. We believe that a healthy, safety conscious and productive city is
the result of healthy, safety conscious and cooperative employees.
Claim Procedures (Non-Employees)
If you have been involved in an accident and /or wish to file a claim against the city of Richmond, it is necessary to submit a written claim.
The claim letter should be sent to the following address.
Mr. Allen L. Jackson, Esq.
900 E. Broad Street, 3rd Floor
Richmond, VA 23219
Upon receipt of the claim, a claims representative will contact you. However, an investigation must be conducted into the claim before a final
decision on liability and /or payment(s) will be made. This process can take four to six weeks depending upon the nature of your claim.
Sole authority to settle and/or pay claims rest with the governing authorities and select personnel of the Risk Management Division. Employees
are not authorized to determine liability or obligate the city of Richmond for payment of a claim. Therefore, the Risk Management Division
will not be obligated to provide any payment(s) toward a claim based on statements of employees prior to completion of an investigation into
The city of Richmond has certain minimum insurance requirements for contractors, vendors, events, and use of city property.
Contractors and vendors providing services to the city of Richmond must furnish Certificates of Insurance to Bureau of Risk
Management. Our office also handles requests for certificates of insurance.
Certificates of Insurance
The city of Richmond requires a Certificate of Insurance from contractors and vendors providing services to the city. All requests must flow
through Bureau of Risk Management.
A certificate is not a binding document. It is merely a statement that a person or company has insurance. It requires that notice be given to
the certificate holder 30 days prior to the policy being cancelled or amended.
Minimum Insurance Limits
All contractors/vendors should have the following minimum insurance limits.
- Comprehensive General Liability, including bodily injury and property damage, $1,000,000 combined single limit per occurrence
- Comprehensive Automobile Liability, including bodily injury and property damage, $1,000,000 combined single limit per occurrence
- Workers' Compensation, following Virginia statutory limits with the Alternate Employer Endorsement WC 000301
These are the most common minimums requested by the city of Richmond. Other lines of insurance coverage may be required for certain types of
exposure and limits of liability may vary depending on the type of contract.
There are many alterations to insurance policies that can be noted on certificates. The city of Richmond must be shown as
Additional Insured on all general liability and automobile liability policies, as insurance is extended
to entities named as Additional Insured on a policy.
Principally, this means that they can make a claim directly against the policy. The insurance coverage provides the financial security needed
to support the indemnification agreement.
For more information on insurance requirements, contact the Bureau of Risk Management.
Certificate of Insurance Requests
The city of Richmond is often required to send out a Certificate of Insurance in order to verify some aspect of the city's insurance
program. All requests must flow through Bureau of Risk Management, allowing us to review the request and notify the city's insurance
broker, if appropriate, to issue the certificate.
The city's insurance broker will not issue a Certificate of Insurance unless authorized by the Bureau of Risk Management.
Please submit requests for certificates as early as possible. Don't wait until the day they are due, as we may be unavailable or our broker
may be tied up, or the first certificate issued may need revisions and may have to be reissued, causing further delay and possibly holding up
operations on your end.
The Bureau of Risk Management will arrange for the issuance of certificates when required for city of Richmond use of outside facilities or
the rental of vehicles. The following information must be provided in order to require a certificate.
- Name of outside organization
- Point of contact at organization
- Telephone number
- Fax number (required)
- Purpose of certificate
- Dates certificate is to be in effect
- Limits required (if specified)
- Whether Certificate Holder is to be named an Additional Insured
When the required information is provided, it is generally possible to have the certificate faxed to the recipient within 48 hours.
While this site provides basic coverage information regarding the city's insurance coverage, it should not be relied on for policy
interpretation. Contact the Bureau of Risk Management for answers to specific questions.
Tenant Users Liability (TULIP)
Users of a city of Richmond facility for events that are not sponsored by the city (tenant users) must demonstrate possession of an
insurance policy that extends coverage to the event, or acquire insurance through the Tenant Users Liability Insurance Program.
Events that are not sponsored by the city of Richmond (i.e. meetings, parties, weddings, block parties,etc.) must be insured for
liability. Tenant users must give a Certificate of Insurance as evidence of such coverage to the office booking your event and to
Safety Services and Risk Management 10 days prior to the event.
How do I access TULIP coverage?
You will need to complete the TULIP application form and pay for your coverage by check made payable to the city of Richmond. Costs are based upon
the risk of the activity, the number of days of the activity, the number of participants, and if there are any special requirements.
Upon completion of the transaction, you will receive a copy of the application and a binder of coverage via regular mail. A copy will
automatically be sent to the office booking your event and maintained within the Bureau of Risk Management.
All employees are covered by the provisions of the
Virginia Workers' Compensation Act.
When an employee sustains a work-related injury, consult the procedures for reporting of injuries and
seeking medical attention.
Forms that should be completed and sent with the injured workers for their medical treatment include:
- Panel of Physicians
- Authorization to Treat
Forms that must be filled out and sent to Risk Management include the following:
Reporting of Injuries
Supervisors must immediately report work-related accidents or injuries. Notify your department's
by phone or email within 24 hours of the accident. Failure to report immediately may jeopardize a claim for workers' compensation.
The supervisor must also complete the
Supervisor's Investigation and Report of Employee Injury Report.
Please include a brief statement from the injured employee stating what happened.
Emergency Medical Attention
If an employee has a severe or life-threatening injury, which requires immediate care or an ambulance, call 911 or go the nearest
Non-Emergency Medical Attention
If an employee requires non-emergency medical attention, they must choose a physician from the approved
Workers' Compensation Panel of Physicians. All follow-up medical treatment must be provided by one of
the listed physicians to be covered by worker's compensation.
Bills & Prescriptions
The city of Richmond Worker's Compensation program is the primary responsible party for all related medical charges. The employee should not
use their personal medical insurance coverage when receiving treatment or having prescriptions filled. They should make it clear to the
medical provider that they are being treated for a work-related injury.
Should you have to pay out-of-pocket for a prescription, bring your receipt to Safety Office of the Bureau of Risk Management and
you will be reimbursed as soon as possible.
Forms required to be sent to Risk Management include the following.
Accident Reporting Procedures
Notify the City Occupational Safety and Health Officer in the Bureau Risk Management immediately at (804)646-3313 of any accident involving a serious injury, fatality or major property damage. Unless
directed by the police, do not move the vehicle prior to contacting Risk Management.
NEVER place a vehicle involved in a serious accident back into operation without first notifying Risk Management. The vehicle should be stored
in a secured location until an investigation is completed by the department and Risk Management.
- Notify the police department and file a report.
Avoid restarting the engine on any vehicle involved in a serious accident. Valuable information can be lost from the on-board
- Employees are required to take a post accident drug and alcohol test if any of the following are true.
- The accident involves a fatality.
- The driver receives moving traffic violation arising from the accident.
- Any involved vehicle requires towing from the scene.
- Any person involved requires medical treatment away from the scene of the accident.
The city cannot completely discount the employee's conduct as a contributing factor to the accident (non-vehicular or
- Perform the following if you have a camera available.
Take photographs of the accident scene. Include stationary objects such as stop signs, trees, side walks, power poles, street
signs, etc. These objects will be used as reference points for placement of the vehicles.
- Include close-up and wide angle photographs.
- Photograph all sides of the vehicle. Both the damaged and undamaged sides can provide valuable information.
- Walk the route each vehicle was traveling prior to the collision. Look for any vision obstructions or obstacles and photograph.
- Photograph any tire marks, gouges, or debris in the road surface created by the vehicles.
- If vehicle is towed from the scene, find out where it will be stored.
- Submit all available paperwork to Risk Management within 24 hours.
- A Report of Accident on City Property must also be completed if our employees is injured in the accident.
The city vehicle must be towed if the employee indicates that the collision was the result of a
mechanical failure (brakes, steering, etc).
Under no circumstances should any repairs or testing be performed on any vehicle that is involved in a serious accident or that is
reported to have mechanical problems without approval from Risk Management.
Occasionally, incidents and accidents occur over holidays, weekends or after business hours. If no one is available at the time of
the incident or accident, contact the appropriate public safety agency (e.g. fire department, police department) and then contact
Risk Management immediately the next business day.
Frequently Asked Questions
What do I do if my property was damaged by the city?
You must file a written claim against the city of Richmond. The Code of Virginia, Section 15.2-209, requires written notice of a claim
against a municipality be provided within 6 months of the event giving rise to the claim. To file a claim against the city of Richmond, the
claim letter should be addressed as follows:
Mr. Allen Jackson, Esq.
900 E. Broad Street
Richmond, VA 23219
The letter should include the pertinent information of the incident, including the date, time of day, location, parties involved, vehicles
involved, names of witnesses and a description of what occurred.
Who may I contact in the event I have any questions regarding damage to my property or filing a claim against the city?
Risk Management Forms
Workers' Compensation Claims
Auto and/or General Liability Claims