The state is self-insured for liability losses and is responsible for processing claims brought against state agencies and state employees. Protection for liability for State departments and employees is provided under the terms of the Colorado Governmental Immunity Act (CGIA) (Section 24-10-101, C.R.S. et seq.) and the Risk Management Act (RMA) (Section 24-30-1501, C.R.S. et seq.). Some higher education institutions do not participate in the risk management program and are not subject to the RMA.