Risk Management

Risk Management — a division of Human Resources — is charged with coordinating claims and litigation, loss prevention/loss control and city-owned commercial insurance programs.

The Property and Casualty Insurance program combines commercial and self insurance to cover standard risks associated with property coverage on City structures, boilers and machinery, electronic data processing equipment, crime (employee dishonesty plus theft, disappearance and destruction, and faithful performance coverage), public official bonds, helicopter liability, excess airport liability and liquor liability.

Third-party liability claims against the City and subrogation efforts by the City are handled internally by licensed claims adjusters. The liability insurance program is largely self-funded for liability claims and lawsuits, settlements and expenses.



  • Claim Reporting
    • General Liability
    • Auto Accidents
    • Property & Casualty 
  • Claims & Lawsuit Management
  • Subrogation Services
  • Consultant/Contract Review for Insurance Requirements
  • Insurance Procurement
  • Boiler & Machinery — State Inspections
  • Comprehensive Property Inventory
  • Loss Prevention — Risk Exposure Assessments
  • Certificates of Insurance — Requests & Tracking


Note: Workers' Compensation, Unemployment Compensation, and Health and Life Insurance are located in the Human Resources Department.

Notice of Claim form:

Risk Management Notice

On June 11, 2023, City of Fort Worth identified a data security incident and immediately took steps to secure its systems and begin an investigation.  The City engaged a cybersecurity firm to assist.  The investigation determined that between June 11, 2023, and June 24, 2023, an unauthorized party gained access to an account used to access a City application.  The application relates to various maintenance and construction projects managed by City of Fort Worth. A review of data in the account found that reports from motor vehicle accidents were among the data impacted.  Some of those reports included driver’s license numbers, dates of birth and limited medical information regarding injuries and emergency transport.  The City enhanced existing security protocols and technical safeguards to help prevent issues like this in the future.  In addition to notifying individuals whose data may have been accessed, the City established a dedicated call center to help answer frequently asked questions about the incident.  Please call 817-392-1234 for up-to-date information about the incident. To speak with the Legal Department Call Center, please call us at 1-800-405-6108.


Remember that it is always advisable to be vigilant for incidents of fraud or identity theft by reviewing your account statements and free credit reports for any unauthorized activity. You may obtain a copy of your credit report, free of charge, once every 12 months from each of the three nationwide credit reporting companies.  To order your annual free credit report, please visit www.annualcreditreport.com or call toll free at 1-877-322-8228. Contact information for the three nationwide credit reporting companies is as follows:

  • Equifax, PO Box 740241, Atlanta, GA 30374, www.equifax.com, 1-800-685-1111
  • Experian, PO Box 2002, Allen, TX 75013, www.experian.com, 1-888-397-3742
  • TransUnion, PO Box 2000, Chester, PA 19016, www.transunion.com, 1-800-916-8800

    If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Attorney General’s office in your state. You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records. Contact information for the Federal Trade Commission is as follows:

  • Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580, 1-877- IDTHEFT (438-4338), www.ftc.gov/idtheft

    Fraud Alerts and Credit or Security Freezes

    Fraud Alerts: There are two types of general fraud alerts you can place on your credit report to put your creditors on notice that you may be a victim of fraud—an initial alert and an extended alert. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial fraud alert stays on your credit report for one year. You may have an extended alert placed on your credit report if you have already been a victim of identity theft with the appropriate documentary proof. An extended fraud alert stays on your credit report for seven years.

    To place a fraud alert on your credit reports, contact one of the nationwide credit bureaus. A fraud alert is free. The credit bureau you contact must tell the other two credit bureaus, and all three will place an alert on their versions of your report.

    For those in the military who want to protect their credit while deployed, an Active-Duty Military Fraud Alert lasts for one year and can be renewed for the length of your deployment. The credit bureaus will also take you off their marketing lists for pre-screened credit card offers for two years, unless you ask them not to do so.

    Credit or Security Freezes: You have the right to put a credit freeze, also known as a security freeze, on your credit file, free of charge, which makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors need to see your credit report before they approve a new account. If they can’t see your report, they may not extend the credit.

    How do I place a freeze on my credit reports? There is no fee to place or lift a security freeze. Unlike a fraud alert, you must separately place a security freeze on your credit file at each credit reporting company. For information and instructions to place a security freeze, contact each of the credit reporting agencies at the addresses below:

  • Experian Security Freeze, PO Box 9554, Allen, TX 75013, www.experian.com
  • TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, www.transunion.com
  • Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, www.equifax.com

You'll need to supply your name, address, date of birth, Social Security number and other personal information.

After receiving your freeze request, each credit bureau will provide you with a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.

How do I lift a freeze? A freeze remains in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. If the request is made by mail, then the bureau must lift the freeze no later than three business days after getting your request.

If you opt for a temporary lift because you are applying for credit or a job, and you can find out which credit bureau the business will contact for your file, you can save some time by lifting the freeze only at that particular credit bureau. Otherwise, you need to make the request with all three credit bureaus.

The City of Fort Worth can be reached at 817-392-1234.