Florida Housing Authorities Risk Management Insureds

Florida Housing Authorities Risk Management InsuredsFlorida Housing Authorities Risk Management InsuredsFlorida Housing Authorities Risk Management Insureds

Florida Housing Authorities Risk Management Insureds

Florida Housing Authorities Risk Management InsuredsFlorida Housing Authorities Risk Management InsuredsFlorida Housing Authorities Risk Management Insureds

PUBLIC HOUSING SPECIALTY INSURANCE

HUD APPROVED SELF INSURED RISK POOL FOR FLORIDA HOUSING AUTHORITIES SINCE 1989

Why Choose FHARMI

Personalized Service

At Florida Housing Authorities Risk Management Insureds, we believe in providing personalized service to each of our clients. We take the time to understand your unique needs and recommend the best insurance solutions to meet them.

Competitive Pricing

We will work with your Housing Authority and our Broker to ensure you receive the best coverage at the best price. Our team has the ability to find you the most competitive pricing.

Expert Advice

From policy inception to expert claim handling, our CEO and Five Board of Directors have over 130 years of experience in the industry. We are here to answer your questions, provide advice, and guide you through the insurance process.

Who is FHARMI?

Our History

Our Partnerships

Our History

Operating under Florida Statute 163.01, Florida Housing Authorities Risk Management Insureds (FHARMI) was founded in 1989 with the goal of providing affordable and reliable insurance coverage only to Florida Housing Authorities. Over the years, we have expanded our offerings and grown our team to better serve our clients.

Our Values

Our Partnerships

Our History

At Florida Housing Authorities Risk Management Insureds, we believe in integrity, honesty, and transparency. We always put our clients' needs first and strive to build long-term relationships based on trust and mutual respect.  FAHRO members who are members of FHARMI share similar values of service and professionalism. 

Our Partnerships

Our Partnerships

Our Partnerships

We work with one of the top Nationwide Brokers in Florida offering us the top excess insurance carriers in the industry. This allows us to offer a wide range of products and ensure that our clients receive the best coverage at the best price. Our Third-Party Administrator (TPA), handling our insurance claims, is a Global company that provides excellent service and expertise through local Adjusters.

Meet our CEO

FHARMI CEO, Todd Darnell, has over 30 years in the Insurance Industry from claims management all over the country to managing a Self-Insured Risk Pool in Florida.  

Meet our Board of Directors

Chairperson, Shannon Young

Vice Chair, R. Patrick Roberts, Jr., MBA

Vice Chair, R. Patrick Roberts, Jr., MBA

Executive Director, Seminole County Housing Authority

Vice Chair, R. Patrick Roberts, Jr., MBA

Vice Chair, R. Patrick Roberts, Jr., MBA

Vice Chair, R. Patrick Roberts, Jr., MBA

Office of Human Resources & Risk Management, Lakeland Housing Authority

Secretary, Mike Bean

Vice Chair, R. Patrick Roberts, Jr., MBA

Director, Becky-Sue Mercer, EDEP, SPHM, PHM

Chief Executive Officer, Housing Authority of Brevard County

Director, Becky-Sue Mercer, EDEP, SPHM, PHM

Director, Becky-Sue Mercer, EDEP, SPHM, PHM

Director, Becky-Sue Mercer, EDEP, SPHM, PHM

Executive Director, Arcadia Housing Authority

Director, Neil Thompson

Director, Becky-Sue Mercer, EDEP, SPHM, PHM

Director, Neil Thompson

Senior Financial Advisor, Pinellas County Housing Authority

Contact Us

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Florida Housing Authorities Risk Management Insureds

Copyright © 2025 Florida Housing Authorities Risk Management Insureds - All Rights Reserved.

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept