The goal of Half Moon Bay's Risk Management program is to enhance safety, reduce risk, and protect employees, city assets, and the public. The Risk Management Division manages three primary areas - General Liability, Workers' Compensation, and Occupational Health and Safety.

General Liability

The General Liability program is designed to enhance safety and protect the residents, employees, and assets of the City, and respond to claims in a timely manner. The City is a member of the Association of Bay Area Governments (ABAG) Plan, a public agency insurance pool comprised of 28 Bay Area municipalities. This pool provides the City with a cost-effective self-insurance, risk sharing, and risk management program. Effective August 1, 2014, ABAG Plan has contracted York Risk Services to provide claims administration services.

Workers' Compensation

Workers' compensation is a state-mandated benefit for workers injured on the job. This program ensures timely delivery of medical treatment and benefits to injured workers, while minimizing the City’s exposure. The City’s program is self-funded through membership in a five-city Joint Power Authority – The Cities Group – which administers workers compensation and safety programs.

Occupational Health & Safety

Most importantly, the City strives to enhance safety and eliminate risk to the greatest extent possible by implementing safety policies and adopting best practices and procedures, as enforced by ABAG, the Pooled Liability Network (PLAN), the Occupational Safety and Health Act (OSHA), and the City’s Injury and Illness Prevention Program (IIPP). The City also organizes various safety training programs to ensure a proactive risk management and risk avoidance program for all City operations.