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Mon-Fri 9:00AM - 5:00PM
201 South Roop Street,
Carson City, NV 89701


Summary and a Brief History

POOL/PACT is a non-profit public entity serving over 120 Nevada public entities. The Nevada Public Agency Insurance Pool (POOL) was formed in 1987. By pooling resources, Nevada public entities can obtain superior and cost effective general liability and property casualty coverage at a reasonable cost and benefit from incomparable human resource and risk management resources which benefit employees and the public they serve. The Public Agency Compensation Trust (PACT) was formed in 1996 to provide workers compensation coverage. POOL/PACT members include counties, cities, school districts, special districts, law enforcement, and towns. For additional information, please contact us at (775) 885-7475.

In the early eighties, public entities throughout the U.S. faced an insurance crisis. Commercial insurance carriers began excessively raising premiums for public entities, and in some cases, exited states or cancelled coverage, leaving many Nevada municipalities without adequate, affordable insurance coverage.

In response to this crisis, The Nevada Public Agency Insurance Pool (POOL) was formed by Nevada public entities in 1987. By pooling resources to create POOL, Nevada public entities discovered that they could obtain quality property casualty coverage at a reasonable cost. As an added benefit, POOL members also found that they could access risk management resources superior to those previously offered to smaller, rural municipalities. POOL was created for the following purposes:

  • To fill a void in the traditional insurance marketplace, and offer affordable risk financing to its members.
  • To identify legislative and regulatory issues affecting public entities and to provide information to assist members in addressing such issues.
  • To act as a clearinghouse for the collection and dissemination of data and resources relating to risk management and to encourage and support new research for our members.
  • To provide meaningful and significant education and professional support for the members, governing bodies and staffs of our members.

After successfully organizing the property-casualty pool, the members organized the Public Agency Compensation Trust (PACT) in 1996 to provide Workers Compensation coverage for its membership.
POOL and PACT members include counties, cities, school districts, special districts, and towns. Every member actively manages the risks encountered as a public agency. Membership is a privilege earned by effective agencies committed to sharing resources to benefit their employees and the public they serve.

Both pools were organized under Nevada’s Interlocal Cooperation Act. Interlocal Agreements were designed to permit local government entities to band together and share in the provision of essential services. POOL and PACT are owned, controlled and governed by their members.

POOL and PACT each have a 45-member Board of Directors, composed of representatives from member agencies which meets annually. An elected eight-member Executive Committee meets routinely throughout the year.

Both POOL and PACT have earned the Advisory Standards Recognition from the Association of Governmental Risk Pools (AGRiP). The award recognizes those pools that adhere to the eighty-eight "best practices" standards as established by AGRiP's Membership Practices Committee, relating to the governance, management, financial accounting and operation of the pool.


POOL/PACT Timeline

1983 › PRESENT

Pooling legislation drafted

Pooling legislation drafted by Wayne Carlson as Washoe County Risk Manager passed Senate, but time ran out in Assembly


Legislation passed

NACO Executive Director Jim Shipman contacted Wayne Carlson to resubmit pooling legislation with NACO and NLC support; legislation passed unanimously on May 1, 1985


Pooling Begins

NACO & NLC members contributed funds for effort to create a pool


Research Begins

Wayne Carlson began data gathering from public agencies and contacted other pools around the country for ideas


Program Initiated

Dave Ritch, State Manager for PENCO began working with Wayne Carlson to initiate a pooling program using PENCO’s resources; difficult insurance market delayed implementation In 1986 Brent Kolvet and Steve Balkenbush helped draft the Interlocal Cooperation Agreement along with a group of 19 potential members’ attoneys


The First Members

First County Member - Pershing County Second County Member - Humboldt County Third County Member - Lincoln County Fourth County Member - Douglas County Eureka & Storey Counties: 8/15/1987 Lyon County: 9/15/1987 First City Member: Wells 7/1/1987 Second City Member: Carlin 8/15/1987 Third City Member: Mesquite 9/12/1987


Schools Invited to Join

First school district member: Lincoln CSD 11/20/1987, Second was Eureka CSD 11/1/1997 and third school district member: Esmeralda CSD 11/15/1997


Special Districts and Towns Join

First GID: Incline Village GID 7/1/1989 First Towns: –Minden 6/1/1990 –Gardnerville 6/1/1990


First Retreat

POOL Executive Committee Mesquite - Held outside at the hotel swimming pool Focused on Mission, Vision, Strategic Plan


Second Retreat

POOL Board Held at the Eureka Opera House Focused on creation of POOL/PACY Human Resources Program


Beginning of PACT/PACT Forms

- 1993 Legislation authorizes workers compensation associations effective 1995 - October 1995 POOL Board meeting at NLC conference in Boulder City commits to starting workers compensation program - POOL Loss Control Committee serves as steering committee for PACT formation. - 13 Counties - 3 Cities - 34 Special Districts, Towns and Others


Third Retreat

POOL & PACT Board Held at the Eureka Opera House - “Getting Connected”


4th Retreat

POOL & PACT Board Focused on the Future of Pooling


Fifth Retreat

POOL & PACT Board Focused on Brainstorming Pooling Future and Succession Planning


6th Retreat

POOL & PACT Board Focused on Transformational Forecasting


7th Retreat

POOL & PACT Board Focused on Futures Scenario Planning


About the Pools





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