Risk Management is the process of minimizing risk to an organization's assets by working to identify and analyze potential hazards in order to prevent accidents, injuries, damage and other adverse occurrences, and to attempt to handle events and incidents which do occur in such a manner that their effects and costs are minimized.

Within the Town, Risk Management consults with Town departments to help minimize the number and severity of losses to both property and personnel.  They help identify areas of potential risk, provide training to help minimize losses, provide post-loss follow up to help avoid future losses, provide insurance or contractual risk transfer and provide risk financing to minimize the impact of losses that do occur.  

In addition, in cases where Town operations or actions may be responsible for someone else's loss, Risk Management provides claim forms, investigate claims, and defend against or pay the claims as necessary.   

The Town of Apple Valley is a member of the California Joint Powers Insurance Authority (CJPIA), which is a self-insurance pool which provides liability protection of all of its members. Through the CJPIA, the Town is able to procure General Liability, Workers’ Compensation, Property, Crime, Environmental liability and Special Events insurance coverage. CJPIA provides third party claims administration through Southern California Risk Management Associates (SCRMA), Alliant and Carl Warren Co. to investigate and process claims.