Member benefits & Responsibilities

Member Benefits
GHARRP was created as a Long-Term solution that helps smooth volatile insurance markets. The coverage form tailored is specifically for Georgia Housing Authorities, with a broad form that exceeds standard commercial policies. 


GHARRP helps Members place coverage at competitive premiums/discounts and reduces overall insurance costs. Periodic dividend-type distributions can be made to Members. Authorities do not have to 'bid' insurance when coverage is placed b GHARRP - we do that for you. The HUD requirement is waived.


Member-oriented claims services are provided by dedicated adjusters from Gallagher Bassett. If you have a special insurance need, GHARRP and their brokerage team will work to find you coverage at the best possible rates.


Risk management services are available - we can tailor strategies to reduce exposures and costs.


GHARRP is owned by Member Georgia Housing Authorities and their related non-profits.


Member Responsibilities
Notify GHARRP of:


  • New Properties acquired
  • Properties deleted (sold, demolished, etc.)
  • Additions and deletions of vehicle
  • Additions and deletions of approved drivers
  • Changes in property values, at least annually - you MUST maintain your property values at replacement cost. GHARRP provides replacement cost coverage, so you need to value your buildings at replacement cost. GHARRP annually reviews costs to see if an across-the-board adjustment needs to be applied to reflect inflation, etc. However, members who upgrade their properties, etc. need to review their values to ensure they reflect current replacement costs, or you risk not receiving replacement costs when you have a loss.
  • Changes/increases in your contents coverage and Inland marine coverage. Computer, phone, and security systems, as well as furnishings in offices and community facilities, need to have a value established and reported to GHARRP so that amount can be scheduled.
  • The creation of an Authority controlled non-profit or a change to an existing non-profit. GHARRP can only insure housing authorities and their non-profit subsidiaries and affiliates that are controlled by the Authority (basically the majority of the Board of the non-profit must be composed of housing authority board members and staff). If you have a question on this call GHARRP's Executive Director to make sure you will be covered.
Frequently Asked Questions

  • Why is Georgia Housing Authorities Risk Retention Pool so popular?

    GHARRP, the Georgia Housing Authorities Risk Retention Pool, is a popular go-to for housing authorities across Georgia due to its commitment to providing secure, flexible, and affordable property and casualty coverage. Since its establishment in 1991, GHARRP has been highly regarded for its innovative approach to addressing the unique and evolving needs of its members. The organization utilizes its collective purchasing power to deliver superior coverage programs, even when traditional insurance options were limited or nonexistent.


    Furthermore, GHARRP's adaptive model allows it to seamlessly integrate changes, including the implementation of new programs in the affordable and assisted housing sector. As HUD programs evolve, GHARRP adjusts its coverage to match the shifting requirements of its members, ensuring their assets and ventures remain secure. Its status as a licensed Interlocal Risk Management Agency (IRMA) by the State of Georgia and approval by HUD cement its credibility, making GHARRP a trusted partner in risk management for housing authorities statewide.

  • What services do you provide?

    At GHARRP, we provide a comprehensive suite of insurance coverage services tailored specifically for Georgia's Housing Authorities. Our offerings include but are not limited to property coverage with a $1,000 deductible, general liability, automobile liability and physical damage coverage with a $250 deductible, directors & officers liability, employment practices liability, excess, boiler and machinery, business interruption, identity theft, and cyber liability. We also offer pollution coverage for both first and third-party liability, and special events liability coverage for individuals or groups using Authority facilities. For specific needs, we can secure additional coverages such as fidelity bonds, security deposit bonds, builder's risk for large projects, and coverage for profit units. We are committed to working with our members to discuss and devise site-specific pollution liability coverage plans and other tailored solutions.

  • How can I get in contact with you?

    We invite you to reach out to us for any questions, concerns, or needs related to our services. For a direct and immediate response, please contact our team via the phone number or email address provided on our website. If you prefer, you can also use the online contact form available on our 'Contact Us' page. Simply fill in your details and your message, and one of our representatives will get back to you promptly. For in-person meetings or correspondence, our office address is also listed on our website.


    Phone: 770-837-9281

    Email: scott.white@gharrp.org


    Address:

    2300 Henderson Mill Road NE

    Suite 325

    Atlanta, Georgia 30345


     At GHARRP, we value your time and your trust, and we're committed to providing you with comprehensive support whenever you need it.

Georgia Housing Authorities Risk Retention Pool (GHARRP)