Florida Municipal Insurance Trust Property and Workers’ Compensation

What it Is

FAC has partnered with the Florida League of Cities to offer bundled coverages to counties and municipalities. Through the Florida Municipal Insurance Trust (FMIT), counties can get Property Insurance and Workers’ Compensation coverage. FMIT is a nonprofit, tax-exempt risk-sharing pool governed by elected officials.


Key Features

  • Workers’ Compensation includes coverage for employees and volunteers

  • Workers’ Compensation coverage is available on a first dollar basis, with deductibles or a self-insured retention

  • Premium credits are available for approved Drug-Free Workplace and Safety Programs

  • Property insurance covers

    • Real Property

    • Personal Property

    • Mobile Equipment/Boats

    • Accounts Receivable

    • Extra Expense

    • Business Income

    • Valuable Papers



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