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Fiscal Services

Insurance & Risk Management

The Ottawa County, Michigan Insurance Authority (Authority) assumes financial and operational responsibility for all matters relating to risk retention, risk management, and insurance coverage (except employee benefits) for the County, including its departments and agencies, and the Ottawa County Building Authority.

By contract with the Authority, the Administrative Services Department manages the day-to-day insurance and risk management activities for the Authority. Over the last few years, the Authority has increased the areas where it retains greater risk or offers coverage previously provided by an insurance company.

The Authority continues to be a unique risk financing mechanism in the State of Michigan. Most other public entities, including counties, obtain coverage from one of two risk-sharing pools, the pool operated by the Michigan Municipal League, primarily for townships, villages, and smaller cities, and the Michigan Municipal Risk Management Authority.