Risk Management


Risk management is the identification, analysis and evaluation of potential losses in order to develop methods to reduce or eliminate them. Risks are identified and then steps are taken to avoid them. This may be as simple as continuing to operate as usual or as complicated as restructuring an entire department.

The City’s Risk Management program oversees and coordinates the identification and minimization of the risks of loss or damage to the City’s resources, including human, property and financial.
It is the policy of the City that all employees take active responsibility for minimizing the harm to persons or the loss to property that might result from accidents. In the event private property is damaged or a person is harmed in connection with City operations, a Liability Claim Form must be submitted to the Risk Management office. Completion of this form is the initial step in the determination of liability with final decision resting with the City and its’ insurance carrier, the Tennessee Municipal League Risk Management Pool.

Each claim is acknowledged and then assigned to an adjuster for investigation. Interviews with claimants, witnesses, and employees are performed to verify the details of the event. When necessary, police reports, fire reports, and medical records, in the case of injury, are obtained to complete the case file. Timely, accurate reporting of every incident is critical. All claims are subject to a one (1) year statute of limitation from date of alleged occurrence. To access and print a claim form, please click here or contact the Personnel/Risk Management Department at 865-435-3564.