VML I N S U R A N C E P R O G R A M SVi rg in ia ’ s Loca l Governmen t Spec ia l i s t s™

ANNUAL REPORT

2014Reducing the Cost of Risk

VML Insurance Programs 2014 Annual Report 1

VML Insurance Programs (VMLIP) is the first and largest group self insurance pool in the

Commonwealth of Virginia. For more than 30 years VMLIP has provided auto, property, liability, and workers’ compensation coverage to more than 460 local political subdivisions across Virginia.

VMLIP’s programs are designed to meet the needs of all Virginia local governments – from the smallest to the largest. VMLIP provides comprehensive risk management program support, human resources and law enforcement expertise and consulting, and more to members who contribute more than $54 million in annual contributions to the pool.

The pool’s staff includes three safety professionals, two registered nurses, a former police officer, one certified human resources professional, a communications specialist, and a team of seasoned claims representatives, safety consultants and underwriters.

VMLIP is governed by a Members’ Supervisory Board comprised of eight elected or appointed officials from member jurisdictions and the executive director of the Virginia Municipal League. The board meets four times each year to establish goals, set rates, adopt a budget and handle other pool business.

As Virginia’s insurance pools are assessable it is vital that entities have their coverage with an organization that is financially secure. With assets greater than $209 million and members’ equity of nearly $98 million, VMLIP is the most financially secure self insurance pool in Virginia. VMLIP contracts with nationally recognized money managers, actuaries, financial and claims auditors to ensure that members’ insurance dollars are maximized and risks mitigated.

About VML Insurance Programs

Steve CraigManaging Director,

VML Insurance Programs

John McCarthyChair, VML Insurance Programs Members’ Supervisory Board

A letter from the chair and managing director

2 VML Insurance Programs 2014 Annual Report

Since 1980, VML Insurance Programs (VMLIP) has provided members with stability in property,

liability, and workers’ compensation coverages. However, many of today’s members may not be aware of the history of pooling, and why VMLIP was formed.

During a time of extraordinary volatility in the commercial insurance market, VMLIP was formed to ensure the availability and affordability of insurance coverage for Virginia’s local governmental entities. At the time, availability of coverages to suit the needs of local government was not always easy to find. Additionally, pricing changed dramatically from year to year, depending on the overall insurance climate rather than actual experience in Virginia.

The goal of VMLIP was to form a member-owned, member-governed pool of local governmental entities, working together to insure each other, to focus on lowering losses through proactive risk management to reduce claims – resulting in stable rates and a wide availability of coverages to suit the specific needs of our various member types.

We have been successful in this endeavor.

We have managed to avoid the ups and downs of rates seen in the commercial market, while at the same time continued to provide comprehensive, customized coverages and financial strength and innovation.

Our risk management professionals are committed to working with you to create safer workplaces and communities with fewer injuries, accidents, and lower claims costs. Not only through physical safety measures, but also by mitigating risk through services such as human resources, law enforcement, and communications consulting and training.

We take a global approach to providing risk management services to members. Through online and in-person training, sample policies and procedures, safety campaigns and training programs, and more, we are working to provide training to members when they need it and in the format they want it.

Additionally, we are leading the way in providing solutions to emerging issues facing members – such as through Line of Duty Act coverage, short and long-term disability solutions, business continuity programs, cyber liability coverage, and more.

Many of these value-added services are provided at no additional charge – saving members money while

implementing effective programs to manage losses for a variety of governmental exposures.

VMLIP continues to offer the most comprehensive array of products and services available to protect members. And we will continue these endeavors while maintaining our financial strength. In fact, in the 2013 – 2014 renewal year we were able to reduce premiums by four percent, saving members more than $1.8 million. With more than $98 million in equity and $269 million in assets, VMLIP remains the most financially secure self-insurance pool in Virginia.

And finally, as some of you may know, late last year VML Insurance Programs entered into a renewed partnership with the Virginia Municipal League. This partnership allowed VMLIP to operate independently, while maintaining our longstanding ties with the league with both organizations continuing to support each other in a variety of ways.

We look forward to continuing to serve you, our members, with new products and services, competitive rates, and value, throughout the foreseeable future.

Sincerely,

BALANCE SHEET

Year ending June 30 2014 2013

Assets

Bonds, at fair market $ 248,875,219 $ 233,596,777 Cash and cash equivalents 7,902,642 7,156,352Restricted deposit 160,000 160,000 Accrued interest receivable 1,242,399 1,449,543 Ceded losses receivable 5,444,722 5,096,441Accounts and contributions receivable 929,324 655,342Prepaid expenses 13,100 792,929 Building, Furniture and Equipment (net of depreciation) 4,862,985 5,103,515Total Assets $ 269,430,391 $ 254,010,899

Liabilities

Reserve for losses $ 165,464,461 $ 167,762,501Contributions collected in advance 3,163,987 4,608,312 Accounts payable 1,257 40,533Other liabilities 1,876,475 1,548,811 Total Liabilities $ 170,506,180 $ 173,960,157

Equity

Unrestricted $ 80,863,369 $ 62,366,963 Restricted 18,060,842 17,683,779Total Equity $ 98,924,211 $ 80,050,742

Total Liabilities and Equity $ 269,430,391 $ 254,010,899

STATEMENT OF REVENUES, EXPENSES AND CHANGES IN EQUITY 2014 2013

Revenues

Contributions $ 54,771,439 $ 53,534,117 Investment income 7,195,198 7,917,365Net increase (decrease) in fair value of investments 3,194,848 (5,482,895)Other income 158,531 163,902Total revenues $ 65,320,016 $ 56,132,489

Expenses

Provision for losses $ 25,218,086 $ 33,549,560 Program administration 9,628,206 8,363,751 Reinsurance 10,635,462 8,988,747 Other expenses 726,483 1,104,442 Total expenses $ 46,208,237 $ 52,006,500

Changes in equity 19,111,779 4,125,989Equity at beginning of year $ 79,812,432 $ 75,924,753Equity at end of year $ 98,924,211 $ 79,812,432

VML Insurance Programs (VMLIP)

VML Insurance Programs 2014 Annual Report 3

Favorable loss results continue to drive the financial results for VML Insurance Programs

(VMLIP). The provision for losses decreased $8.5 million in 2014 from 2013. The estimation of losses is based on statistical and actuarial analysis of both current year losses and losses that occurred in prior years that remain open. At each year-end, a liability is recorded representing the estimated reserve for losses and loss adjustment expenses. As more information subsequently becomes available, changes in the estimated liability are reflected in current operations. Such changes in the estimated reserve for losses and loss adjustment expenses are referred to as development. Favorable (downward) development in the reserves of $16.1 million for accident years 2013 and prior emerged in 2014.

Unlike 2013, the favorable loss news was accompanied by an increase in the fair market value of VMLIP’s investment portfolio. The fair market value of investments increased $8.7 million from a loss of $5.5 million in 2013 to a gain of $3.2 million in 2014. The net increase or decrease in the fair market value of investments is dependent on many factors including the type of security, the maturity date, the credit worthiness of the issuer as well as changes in the general economy. The change in fair market value of investments in 2014 was attributable to changes in these factors. Generally when interest rates rise, the value of securities held in the portfolio drop.

Member contributions totaled $54.8 million, which represents an increase compared to the prior year. Contributions are dependent on numerous

Interim Financial Results for 2014

4 VML Insurance Programs 2014 Annual Report

factors including changes in membership, member payrolls, payroll classifications, lines of coverage, quantity and value of owned property, member loss experience and underwriting rates. The increase was attributable to changes in all of these factors. VMLIP has not increased its underwriting rates for several years.

Losses for the year were $25.2 million and were 25.1 percent lower than the previous year. The loss ratio for 2014 was 46 percent. This compared favorably to a loss ratio of 62.7 percent in the prior year. VMLIP has experienced several years of better than expected loss results, which have favorably impacted our financial results. However, loss trends often change quickly and adverse development can have negative consequences on VMLIP operations. VMLIP carefully considers both actual losses as well as expected losses when setting rates and determining reinsurance retention levels.

Overall equity increased by $19.1 million or 23.9 percent from the prior year. This brings equity as of June 30, 2014 to $98.9 million. Equity is an important barometer in gauging the financial strength of an insurance pool. The more equity a pool has the more flexibility it has when it comes to setting rates, determining reinsurance retention levels and expanding coverages.

The Comprehensive Annual Financial Report (CAFR), which includes the audited financial statements, will be available by the end of November. Members are encouraged to view the CAFR on our website at www.vmlins.org.

VML Insurance Programs: Reducing the cost of risk

Managing the cost of risk isn’t just about purchasing insurance. It’s about implementing

programs and policies that prevent unexpected costs – financial and non-financial.

Consider these related costs: • The cost of injuring a member of the public from

a preventable “at fault” accident;• The loss of use and time when assets such as

hard to replace equipment, buildings, etc., are damaged in a preventable incident;

• The cost of staff involvement in a preventable lawsuit;

• The cost of reputation for the inability to respond adequately to a natural disaster;

• The cost of hiring outside expertise to provide risk management training and consultation.

VMLIP members benefit from local government specialists in a variety of fields including safety, human resources, law enforcement, communications, claims, and more. These services add up to a lot more than can be seen on the bottom line.

For example, VMLIP’s Director of Human Resources Services Tina Stevens has consulted on more than 80 projects as well as provided numerous webinars to members on a variety of topics including Ethical Considerations in the Public Sector, Managing Employee Attendance Issues, HR Complaint Investigations and more. This is in addition to more than 300 available sample materials, policies and procedures.

Stevens also provides personalized training for members on a variety of topics including the Family Medical Leave Act, preventing harassment,

recruitment, terminations, pay policies, job descriptions and personnel policy manual reviews, and much more.

“VMLIP’s human resources services provide exceptional resources, whether you’re seeking the viewpoint of a licensed attorney regarding an employment issue, are in need of ideas to revise a current HR policy, or just want to keep abreast of current HR issues and trends,” said Human Resources Manager Darla Hicks, IPMA-CP, with the City of Manassas.

“Tina not only delivers webinars packed with useful information for both new and seasoned supervisors but is incredibly responsive when a respected perspective is solicited.”

Similarly, members focused on physical safety benefited from 15 free webinars provided by safety staff last year. VMLIP’s safety webinars cover a variety of topics designed to address the unique exposures of Virginia’s local governmental entities. Webinar topics included: Roadway Operations and Worker Safety, Global Harmonized System (GHS) Alignment, Water/Wastewater Self-Inspections, and more.

Additionally, the safety staff continued their focus on defensive driving through the Where the Rubber Meets the Road (WTRMTR) defensive driving campaign, bolstered this year through the addition of GPS telematics device monitoring. The campaign has resulted in the training of more than 22,000 government drivers and a reduction in loss ratios of 50 percent among the first members who participated in the program.

VML Insurance Programs 2014 Annual Report 5

Safety staff are also providing personalized training and consultation to members throughout the year on subjects such as hazard communication, ladder safety, confined space entry, personal protective equipment, OSHA compliance, and more.

“The resources available to us through VMLIP and our safety consultant, Pete Strickler, are invaluable,” said Sonja Eubank, Department of Public Works with the Town of Smithfield. “Pete has helped us with on-

site training, providing materials and resources, as well as performing an evaluation of our entire safety program to help ensure OSHA compliance and safety of our employees.”

Over the years, the safety staff have compiled nearly 150 safety bulletins on a wide range of topics, available free to members, as well as stockpiled the VMLIP Multimedia Library with more than 434 safety, human resources, and law enforcement-related videos and modules. Additionally, nearly 100 courses are available for members to take for free via the VMLIP Online University.

VMLIP’s Law Enforcement Specialist Thomas Bullock, as well as Director of Communications Hollie Cammarasana, have also provided personalized training and consultation to members throughout the past year. Topics have included Emergency Vehicle Operator Liability, Response to Critical

Incidents, Law Enforcement and Social Media, Crisis Communications, Prepping a Spokesperson, and Engaging Citizens in the Era of Social Media.

“The Town of Lawrenceville requested communications assistance as the town became the focus of media attention for being selected to house unattended refugee minors. Hollie assisted in preparing a public statement regarding council’s concerns on the issue,” said Town Manager CJ Dean.

“As we became flooded with press requests, her advice and experience in dealing with situations like ours was extremely valuable.”

VMLIP provides more than just coverage. VMLIP’s local government specialists are skilled in providing timely training and services to solve problems and find the appropriate balance between protection and exposure that is often required to solve the complex insurance and risk management dilemmas faced by members.

“We will continue to stay ahead of the curve on the changing needs of Virginia’s local governments,” says VMLIP Managing Director Steve Craig. “Our goal is to remain the premier source for insurance and risk management services in the Commonwealth of Virginia.”

For more information on VMLIP, visit www.vmlins.org or follow VMLIP on Facebook at: www.facebook.com/vmlip.

6 VML Insurance Programs 2014 Annual Report

VML Insurance Programs Members’ Supervisory Boards

Kim WinnExecutive Director

Virginia Municipal LeagueMember, VMLIP MSB

Rhu HarrisAdministrator

Hanover CountyMember, VMLIP MSB

Karen L. PallanschCEO

Alexandria Renew EnterprisesMember, VMLIP MSB

Peter StephensonManager

Town of SmithfieldMember, VMLIP MSB

John W. McCarthy IIIAdministrator

Rappahannock CountyChair, VMLIP MSB

Melinda MoranAdministrator

Mathews CountyMember, VMLIP MSB

Kurt HodgenCity Manager

City of HarrisonburgVice Chair, VMLIP MSB

R. Clarke WallcraftExecutive Director

Pepper’s Ferry Wastewater AuthorityMember, VMLIP MSB

Darlene BurchamManager

Town of Clifton ForgeMember, VMLIP MSB

VML Insurance Programs 2014 Annual Report 9

VML Insurance Programs Staff Listing

AdministrationSteve Craig, Managing Director

CommunicationsHollie Cammarasana, Director of Communications

FinanceJeff Nickey, Deputy Managing DirectorLisa Davis, Accounting SupervisorAnne Schwartz, Accounting AssistantJackie Stauffer, Administrative Specialist

Human ResourcesTina Stevens, Director of Human Resources

Information TechnologySteven Bergman, Director of I.T. & OperationsJudy Huang, Software EngineerMary Kay Marchetti, Senior Business Systems Analyst

Member ServicesJeff Cole, Director of Member ServicesBrenan Graham, Account ExecutiveHarry McMillen, Account ExecutiveLisa Schenk, Account Executive

Property & Liability ClaimsChuck Finley, Director of Property and Liability ClaimsDana Cullen, Senior Claims RepresentativeTracey Dunlap, Senior Claims RepresentativeScott Martin, Senior Claims SpecialistTiffany Clouse, Claims RepresentativeJackie Baytop, Claims Representative Safety ConsultingBeth Rosenthal, Director of Safety ServicesFonda Craig, Senior Safety ConsultantMatt Reid, Senior Safety ConsultantPete Strickler, Senior Safety ConsultantThomas Bullock, Law Enforcement SpecialistKaren Wall, Senior Administrative Assistant

UnderwritingCathie Moreland-Hasty, Director of UnderwritingAnn Chandler, UnderwriterKaren Nuckols, Senior UnderwriterCrystal Griffin, Underwriter

Workers’ Compensation ClaimsRobin Duvall, Director of Workers’ Compensation ClaimsJoanne Allen, Patient AdvocateLee Bank, Panel of Physicians CoordinatorJannie Butler, First Report Processor/ReceptionistDeborah Briggs, Claims SupervisorCheryl Brown, Medical Only Claims RepresentativeCarolyn Brummell, Claims TechnicianSheila Caudill, Senior TPA Claims RepresentativeTracy Christian, Medical Only Claims RepresentativeCat Cunningham, Claims SupervisorKathy Foulk, Patient AdvocatePeggy Griffin, Senior Indemnity Claims RepresentativeNicole Jennings, Medical Only Claims RepresentativeMarian Levy, Record Only Claims RepresentativeRose Mayo, File ProcessorJennifer Moore, Indemnity Claims RepresentativeConnie Myers, Senior Indemnity Claims RepresentativeKathy Nester, Claims TechnicianPam Pitts, Recovery SpecialistLora Robinson, Mail ProcessorBunny Slayton, Senior Medical Only Claims RepresentativeWendy Rice, Senior Indemnity Claims RepresentativeCharmaine Spain, Claims TechnicianTina Wetsch, Senior Indemnity Claims RepresentativeRobin Wiley, Administrative AssistantBeth Willoughby, Senior Indemnity Claims Representative

10 VML Insurance Programs 2014 Annual Report

VML Insurance Programs Membership

• Abingdon• Alberta• Altavista• Amherst• Appalachia• Appomattox• Ashland• Bedford• Berryville• Big Stone Gap• Blacksburg• Blackstone• Bloxom• Boones Mill• Bowling Green• Boyce• Boydton• Boykins• Branchville• Bridgewater• Broadway• Brodnax• Brookneal• Buchanan• Burkeville• Cape Charles• Cedar Bluff• Charlotte Courthouse• Chase City• Chatham• Chilhowie• Chincoteague• Claremont• Clarksville• Cleveland• Clifton Forge• Clifton• Clintwood• Coeburn• Colonial Beach• Craigsville• Crewe

• Damascus• Dayton• Dendron• Dillwyn• Drakes Branch• Duffield• Dumfries• Dungannon• Eastville• Edinburg• Elkton• Exmore• Farmville• Fincastle• Floyd• Fries• Front Royal• Gate City• Glade Spring• Glasgow• Glen Lyn• Gordonsville• Goshen• Gretna• Grottoes• Grundy• Halifax• Hallwood• Hamilton• Haymarket• Haysi• Herndon• Hillsville• Honaker• Hurt• Independence• Iron Gate• Irvington• Ivor• Jarratt• Keller• Kenbridge

• Keysville• Kilmarnock• La Crosse• Lawrenceville• Lebanon• Leesburg• Louisa• Lovettsville• Luray• Madison• Marion• McKenney• Middleburg• Middletown• Mineral• Montross• Mount Crawford• Mount Jackson• Narrows• Nassawadox• New Castle• New Market• Newsoms• Nickelsville• Occoquan• Onancock• Onley• Orange• Painter• Pamplin• Parksley• Pearisburg• Pembroke• Pennington Gap• Phenix• Pocahontas• Port Royal• Pound• Purcellville• Quantico• Remington• Rich Creek

• Richlands• Ridgeway• Rocky Mount• Round Hill• Rural Retreat• Saltville• Saxis• Scottsburg• Scottsville• Shenandoah• Smithfield• South Boston• South Hill• St. Charles• St. Paul• Stanley• Stephens City• Stony Creek, Town of• Strasburg• Stuart• Tangier• Tappahannock• Tazewell• The Plains• Timberville• Town of Toms Brook• Troutville• Urbanna• Victoria• Vienna• Vinton• Wachapreague• Warsaw• Washington• Waverly• Weber City• West Point• White Stone• Windsor• Wise• Woodstock• Wytheville

Counties

• Culpeper• Gloucester• Halifax

• Hanover• Mathews• New Kent

• Nottoway• Rappahannock• Westmoreland

• York

Cities

• Bristol• Buena Vista• Charlottesville• Colonial Heights• Covington• Danville• Emporia• Fairfax

• Falls Church• Franklin• Fredericksburg• Galax• Harrisonburg• Hopewell• Lexington• Lynchburg

• Manassas• Norton• Petersburg• Poquoson• Radford• Roanoke• Salem• Staunton

• Suffolk• Waynesboro• Williamsburg• Winchester

Towns

VML Insurance Programs 2014 Annual Report 11

Schools

• Alexandria City Schools• Appomattox Regional

Governor’s School• Arlington County Schools• Bristol City Schools• Cardinal Criminal Justice Academy• Central Shenandoah Criminal

Justice Training Academy• Central Virginia Criminal

Justice Academy• Charlottesville City Schools• Charlottesville-Albemarle

Technical Center• Chesapeake City Schools• Commonwealth Governor’s

School• Crater Criminal Justice

Training Academy

• Culpeper County Schools• Danville City Schools• Falls Church City Schools• Gloucester County

Schools• Halifax County Schools• Hampton Roads Criminal

Justice Training Academy• Manassas Park and

Manassas Park City Schools

• Martinsville City Schools• New Horizons Regional

Education Center• Newport News City Schools• Northampton County Schools• Northern Neck Regional

Special Education Board

• Northern VA Criminal Justice Training Academy

• PAVAN• Piedmont Regional

Criminal Justice Training Academy

• Poquoson City Schools• Prince George County

Schools• Prince William County Schools• Pruden Center for Industry

& Technology• Rappahannock Regional

Criminal Justice Academy• Roanoke City Schools• Rowanty Vocational

Technical Center• Salem City Schools

• Southampton County Schools

• Southwest Virginia Criminal Justice Training Acad

• Spotsylvania County Schools

• Stafford County Schools• Staunton City Schools• Suffolk City Schools• The Governor’s School at

Innovation Park• The Governor’s School For

the Arts• The Governor’s School of

Southside Virginia• Virginia Beach City Schools• York County Schools

12 VML Insurance Programs 2014 Annual Report

Authorities

• Albemarle County Service Authority

• Alexandria ASAP• Alexandria Renew Enterprises• Alexandria Transit Company• Appomattox River Water

Authority• Augusta County Service

Authority• Bath County Service Authority• Bedford Joint IDA• Bedford Regional Water

Authority• Blacksburg VPI Sanitation

Authority• Blue Ridge Crossroads EDA• Bull Run ASAP• Campbell County IDA• Campbell County Utilities &

Services Authority• Capital Area ASAP• Central Virginia ASAP• Central Virginia Transit

Management Company• Central Virginia Waste

Management Authority• Charlottesville Redevelopment

& Housing Authority• Charlottesville-Albemarle

Convention & Visitors Bureau• Chesapeake Bay Bridge &

Tunnel District• Chesapeake Redevelopment

& Housing Authority• Chincoteague Recreation and

Convention Center Authority

• Coeburn-Norton-Wise Regional Wastewater Authority

• Colonial Beach Redevelopment and Housing Authority

• Colonial Behavioral Health• Colonial Group Home

Commission• Commonwealth Regional

Council• Court Community

Corrections ASAP• Court Community

Corrections DCJS• Court Community

Corrections Drug Court• Craig-New Castle PSA• Crossroads IFA c/o Joint

IDA of Wythe County• Cumberland Plateau Reg.

Housing Auth.• Dan River ASAP• Danville Redevelopment &

Housing Authority• Danville-Pittsylvania

Regional IFA• Dickenson County PSA• District Nine ASAP• EDA of the City of

Winchester• Fairfax County Water

Authority• Floyd-Floyd County PSA• Frederick-Winchester

Service Authority

• Galax-Grayson EMS• Giles County PSA• Greater Richmond

Convention Center Authority• Grundy IDA• Halifax County Service

Authority• Hampton Redevelopment &

Housing Authority• Hanover County EDA• Harrisonburg Rockingham

ECC• Harrisonburg Rockingham

Regional Sewer Authority• Henry County PSA• Hopewell Redevelopment &

Housing Authority• John Tyler ASAP• Joint IDA of Wythe Co,

Wytheville & Rural Retreat• Joint PSA of Wythe & Bland

Counties• Lake Barcroft Watershed

Improvement District• Lee County Redevelopment

& Housing Authority• Lewistown Commerce

Center CDA• Lexington & Rockbridge

Area Tourism• Loudoun County Sanitation

Authority• Louisa County Water

Authority• Lynchburg Redevelopment

& Housing Authority

• Maury Service Authority• Montgomery County EDA• Montgomery Regional Solid

Waste Authority• Nelson County Service

Authority• New River Resource

Authority• New River Valley Emergency

Communications Auth.• New River-Mt. Rogers

Workforce Investment• Newport News IDA/EDA• Norfolk Redevelopment &

Housing Authority• Northern Virginia Cigarette

Tax Board• Northern Virginia

Transportation Authority• Northern Virginia

Transportation Commission• NRV Regional Water

Authority• Old Dominion Transit

Mgmt Co DBA GRTC Transit System

• Peninsula ASAP• Pepper’s Ferry Wastewater

Authority• Petersburg Redevelopment

& Housing Authority• Piedmont ASAP• Piedmont CSB• Piedmont Workforce

Network Council

VML Insurance Programs 2014 Annual Report 13

• Portsmouth Redevelopment & Housing Authority

• Potomac & Rappahannock Transportation Commission

• Prince William County Service Authority

• Radford CIty IDA• Rappahannock Area CSB• Region 2000 Services

Authority• Richmond Ambulance

Authority• Richmond Behavioral Health

Authority• Richmond Metropolitan

Transportation Authority• Richmond Redevelopment &

Housing Authority• Rivanna Solid Waste Authority• Rivanna Water & Sewer

Authority• Roanoke Redevelopment and

Housing Authority• Roanoke River Service

Authority

• Roanoke Valley Broadband Authority

• Roanoke Valley Resource Authority

• Rockbridge Area CSB• Rockbridge Area Network

Authority• Rockbridge Area

Recreation Organization• Rockbridge Regional

Public Safety Communications Center

• Sheltercare of Northern Virginia

• Shenandoah Valley Animal Services Center

• Shops at White Oak Village CDA

• Smyth-Washington Regional IFA

• So Centre Corridors Resource Conserv & Development

• South Central Wastewater Authority

• Southeastern PSA• Southeastern Virginia ASAP• Southern Virginia

Recreation Faciltiies Authority

• Southside Virginia ASAP• Southwest Virginia ASAP• Southwest Virginia Regional

Recreation Authority• Southwestern VA Transit

Management Company• St. Charles Water & Sewer

Authority• St. Paul IDA• Suffolk Redevelopment &

Housing Authority• Sussex Service Authority• Transportation District

Comm of Hampton Roads• Tri River ASAP• Twin County E911 Regional

Commission• Upper Occoquan Service

Authority

• Vaco VML Pooled OPEB Trust

• Valley CSB• Vint Hill EDA• Virginia Energy Purchasing

Governmental Assoc• Virginia Investment Pool

Trust Fund• Virginia Municipal Electric

Association• Warm Springs Sanitation

Commission• Washington County Service

Authority• Western Tidewater CSB• Western Tidewater Water

Authority• Western Virginia Regional

IFA• Western Virginia Water

Authority• Wired Road Authority

Authorities (cont.)

Libraries

• Alexandria Library• Blue Ridge Regional Library• Central Rappahannock

Regional Library• Eastern Shore Public Library

• Galax - Carroll Regional Library• Handley Regional Library• Lonesome Pine Regional

Library• Meherrin Regional Library

• Pamunkey Regional Library• Rockbridge Regional Library• Smyth-Bland Regional Library• Southside Regional Library• Williamsburg Regional Library

• Wythe-Grayson Regional Library

Jails/Juvenile Detention Centers

• Albemarle/Charlottesville Regional Jail Authority

• Appalachian Juvenile Commission

• Blue Ridge Juvenile Detention Commission

• Blue Ridge Regional Jail Authority

• Hampton Roads Regional Jail Authority

• Middle Peninsula Juvenile Detention Commission

• New River Valley Juvenile Detention Center

• Northern Neck Regional Jail Authority

• Northern Virginia Juvenile Detention Center

• Northwestern Regional Juvenile Detention Center

• Peumansend Creek Regional Jail Authority

• Piedmont Regional Jail• Rappahannock Juvenile

Center• Riverside Regional Jail

Authority• Roanoke Valley Juvenile

Detention Center

• Shenandoah Valley Juvenile Center Commission

• Southside Regional Juvenile Group Home

• Tidewater Youth Services Commission

• Western Tidewater Regional Jail Authority

Airports

• Charlottesville-Albemarle Airport Authority

• Chesapeake Airport Authority

• Middle Peninsula Regional Airport Authority

• Roanoke Regional Airport Commission

• Tazewell County Airport Authority

• Virginia Highlands Airport Authority

• Virginia Tech-Montgomery Exec Airport Authority

Planning District Commissions

• Accomack-Northampton PDC• Central Shenandoah PDC• Crater PDC• Cumberland Plateau PDC• Hampton Roads PDC• Middle Peninsula PDC

• Mount Rogers PDC• New River Valley PDC• Northern Neck PDC• Northern Shenandoah Valley

Regional Commission

• Northern Virginia Regional Commission

• Rappahannock-Rapidan Regional Commission

• Reynolds Crossing CDA

• Roanoke Valley - Alleghany Regional Commission

• Southside PDC• Thomas Jefferson PDC• Virginia’s Region 2000 Local

Government Council

14 VML Insurance Programs 2014 Annual Report

Social Services

• Accomack County DSS• Amelia County DSS• Bath County DSS• Botetourt County DSS• Campbell County DSS• Carroll County DSS• Clarke County DSS• Cumberland County DSS• Dickenson County DSS• Essex County DSS• Franklin County DSS

• Fredericksburg City DSS• Gloucester County DSS• Goochland County DSS• Grayson County DSS• Greensville & Emporia

DSS• Halifax County DSS• Hanover County DSS• Harrisonburg Rockingham

DSS• Henry/Martinsville DSS

• Highland County DSS• King & Queen County DSS• Lancaster County DSS• Lee County DSS• Madison County DSS• Northumberland County

DSS• Orange County DSS• Powhatan County DSS• Radford City DSS• Rappahannock County DSS

• Rockbridge Area DSS• Russell County DSS• Shenandoah County DSS• Southampton County DSS• Tazewell County DSS• Washington County DSS• York-Poquoson DSS

VML I N S U R A N C E P R O G R A M SVi rg in ia ’ s Loca l Governmen t Spec ia l i s t s™

P.O. Box 3239 | Glen Allen | Virginia | 23058