Florida Association of Counties Trust (FACT)

What it Is

Minimizing Risk and Protecting Against Liability -- founding principles that drive the mission of the Florida Association of Counties Trust (FACT). As a pooled risk-sharing program created by counties for counties, FACT’s commitment to protecting Florida’s counties is unmatched. FACT does more than provide outstanding coverage. Participating counties are treated like family, with the highest level of attention and customer service to meet their individual needs. The program covers counties, their boards and commissions, elected and appointed officials, and employees and registered volunteers.


Key Features

  • Established in 1989, FACT is governed by a Board of Trustees made up of program participants

  • As a non-profit, FACT operates in the public interest, not in the interest of shareholders

  • Proven ability to control costs by reducing liability exposure

  • Access to the “Just Call” hotline for HR and employment law questions

  • Competitive, stable pricing that is reasonable and predictable

  • Broad risk management services that are an extension of your staff

  • Aggressive claims management and defense of questionable claims

  • Coverage options include


    • General Liability

    • Automobile Liability

    • Personal Injury Liability

    • Federal Civil Rights Liability

    • Errors and Omissions Liability

    • Law Enforcement Liability



Meet the Partner

Ken Moneghan

Marketing Specialist

Ken began his career in insurance with a national broker in Toledo, Ohio. A few years later, he joined a Reinsurance company in Detroit Michigan. In 1989, Ken and his family moved to Florida and he joined the Florida Association of Counties Trust (FACT) where he’s been working with county governments ever since. Ken has insurance designations as a Charter Property and Casualty Underwriter (CPCU) and Associates in Risk Management (ARM).



Ken Moneghan
(727) 789-8294


Anna R. Doughty, CPA
Director of Internal Affairs & Financial Services
(850) 922-4300