Claims Management Services

Claims Services for the South Carolina Counties Property & Liability Trust are administered in-house by SCAC staff.  Our goal is to process fair and equitable claim settlements and payments as quickly and efficiently as possible, while keeping you informed. Detailed loss reports are made available to members on a monthly basis.       

Claims Administration for the South Carolina Counties Workers’ Compensation Trust is  provided by Companion Property and Casualty with oversight by the Director of Insurance Programs. Companion has contracted with the Trust to provide these services to SCCWCT members. The SCCWCT and Companion work together in providing workers’ compensation and claims services to 44 of South Carolina’s 46 counties.  Member counties do not contract with Companion. These services are provided as part of the SCCWCT program.

Marketing and Administration Services

New member marketing and various other administrative services are provided to Trust members by SCAC staff.  Various services include but are not limited to: cost allocations, certificates of insurance, renewal processing, and coverage questions.

Reinsurance

Reinsurance protects the financial stability of the Trusts from adverse claims experience. To ensure this stability, the Trusts have strong reinsurance to guard against unfavorable loss experience. The financial protection of members from catastrophic losses receives top priority.

Coverages

Although the Trust already offers competitive coverages, we consider coverage an on-going project, and we are always looking for ideas on coverage enhancements and other improvements that can better serve South Carolina’s counties.

Risk Management Services

The SCAC has two full-time risk managers with extensive experience working with South Carolina counties.  These risk managers ensure that Trust members receive the very best service possible to help all members reduce their total cost of risk.

The Boards of Directors of both Trusts believe very strongly in the benefits of aggressive risk management and actively encourage all members to develop and improve their risk management programs. The cost of property, liability, and workers’ compensation claims are simply too high for local governments to operate without sound risk management programs.
 

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