Member Benefits

SCAC-Sponsored Insurance Trusts

Membership Benefits

  • Members own the Trusts, and they are nonprofit. Unlike an insurance company, the Trusts only objectives are to serve the membership.
  • Trusts are run by the counties for the counties. The Trusts' Boards of Trustees are made up of county government officials.
  • Coverages and services are tailored to South Carolina's county governments, instead of the insurance industry standard "one size fits all."
  • Long-term budget stability provided through the Trusts help counties minimize the peaks and valleys in their insurance premiums over the long term.
  • Specialized risk control services include law enforcement and detention centers. These services are provided by full-time association staff and are specific to county government.
  • The S.C. Counties Property & Liability Trust (SCCP&LT) is non-auditable. Pricing through the Trust is basically non-auditable - meaning that members will not be assessed for normal additional equipment or autos acquired during the policy year. You should note that both the S.C. Insurance Reserve Fund and commercial insurers would charge for these additions.
  • No Co-insurance Clause for SCCP&LT. No penalty on claims settlements for under-insured values.
  • Local service provided by dedicated, full-time personnel who specialize in assisting county governments. The team of professionals that assist the Trusts are all located in South Carolina where they can provide prompt, responsive service.
  • SCCP&LT provides additional liability insurance coverage. Individuals sued in federal court under 42 USC § 1983 have an additional $4 million in liability coverage (this makes the total coverage limit $5 million for claims filed under this section).