Risk Management

The Risk Management Department operates within the City’s Division of Finance. This department works in partnership with City departments to protect and preserve the City of Jackson’s assets. This department handles traditional risk management functions including insurance procurement, claims, safety, on-the-job injuries and employee benefits. Business hours are weekdays from 8:00 a.m. to 5:00 p.m., excluding holidays.


125 East Main Street, Suite 302
Jackson, TN 38301
Fax:  731.425.8606

Stacey Stone, Director

Melissa Gordon, Insurance Administrator

Sharon Smith, Occupational Health & Safety Officer 

Savannah Gilbert, Benefits Specialist

The City of Jackson purchases some insurance and is self-insured for some exposures. Commercial insurance purchased includes:

  • Auto Liability
  • Aviation
  • Crime
  • Employee Dishonesty Bond
  • Errors and Omissions Liability
  • General Liability
  • Law Enforcement Liability
  • Medical Reinsurance
  • Property and Casualty


Information on submitting a liability claim against the City may be obtained by contacting the Risk Management office at City Hall. The City receives the benefit of a Tennessee statute:  the Tennessee Governmental Tort Liability Act. The Tort Act grants immunity for negligent actions by local government with the exception of the operation of motor vehicles, unsafe streets, unsafe structures or a negligent act or omission by an employee. The City’s liability is limited to $300,000 per person and $700,000 per incident.

If you are involved in an auto accident with a city employee and have property damage or reason to believe that you have a claim for damages against the City of Jackson, please complete a Claim Form and submit it to the Risk Management Office. Please follow instructions on the form.


The Risk Management Department administers medical benefits that include health, dental and vision plans for some 760 employees and retirees. Other benefits administered are life insurance, cancer and accident insurance and a cafeteria plan that allows a tax savings on insurance premiums. Employees and their dependent family members are provided with behavioral healthcare assistance through an Employee Assistance Program provided by Pathways, a division of West Tennessee Healthcare. Also, wellness benefit offerings include flu shots, weight loss programs and tobacco cessation programs.

City of Jackson Health Plan- Summary of Benefits & Coverage 7/1/2019-6/30/2020


One of the most important areas of Risk Management is the safety and well-being of employees. When employees are injured in the course and scope of their job, they are provided for through the City’s On-The-Job Injury benefit program. Our goal is to help employees work in a safe, productive, friendly environment.


What are the insurance requirements needed in order to do business with the City?
The City uses a variety of services, and the insurance requirements vary. To find out the required insurance for a specific contract or project, contact the City of Jackson Purchasing Department.

What should I do if I observe an unsafe condition in the City?
The City Services Hotline number is 731.425.2589. If immediate attention is needed, call the Jackson Police Department at 731.425.8400.

Directory Assistance gave me this telephone number to ask about an old insurance policy I have. Can you tell me if this insurance company is still in business? 
You will need to contact the State of Tennessee Department of Commerce and Insurance in Nashville, Tennessee. Their toll-free numbers are 1.800.342.8385 and 1.800.342.4029.


To apply for coverage, visit the TULIP website.