BGIA responded to a market need in 2001 when it helped to organize the Garden State Municipal Joint Insurance Fund (GSMJIF) which is now one of the largest joint insurance funds in the State of New Jersey in terms of population. Along the way, BGIA has saved member municipalities millions of dollars in insurance costs, improved their safety certification scores and provided much needed budget stability.

The experiences gained in the development and continued management of the GSMJIF provide BGIA with an in-depth understanding of the advantages and challenges of transferring risk through traditional commerical insurance coverage or alternative arrangements such as joint insurance funds and limited self-insurance programs.

BGIA has industry leading expertise in insurance and risk management services for