Coverage that Puts Public Entities in Control

Through our risk-sharing pools, we deliver health, workers’ compensation, and property & liability coverage designed specifically to help public entities save money, stay protected, and keep employees healthy and happy.  Over the past four decades, we have prioritized long-term financial stability and optimized our programs to provide superior coverage at the lowest responsible cost.

Our members enjoy stable rates that defy insurance industry trends, allowing them to budget confidently and with ease. Each Trust’s investment income accrues for the benefit of our membership. They also take advantage of cash dividends, our Rate Stabilization Fund, multi-trust discounts, and other economic incentives that make quality coverage even more affordable. Member satisfaction is confirmed by our 95% retention rate and a growing enrollment of more than 160 public entities in Pennsylvania and Delaware.

The Delaware Valley Trusts offer:

• A sole focus on public entities: We know what you need to thrive because we’ve been successfully serving public entities – and only public entities – since inception.
• A lower expense ratio than commercial carriers: By keeping operating costs low, we can dedicate more of each member’s premium dollar toward paying claims and providing coverage.
• No broker or agent commissions: We’ve eliminated unnecessary middlemen whose commissions can increase premiums by as much as 15%.
• An emphasis on building and maintaining surplus: Trust management has created a financial cushion to absorb higher than expected claims costs and reduce reliance on reinsurers and excess insurers.
• Investment income generation: We don’t just build and maintain surplus. We return it to members through our Rate Stabilization Fund, multi-trust discounts, cash dividends, and grants.
• Exceptional loss control and claims service: Experienced Trust staff know how to craft programming that addresses the unique risks faced by public entities and how to mitigate the financial impact of any loss. Manageable caseloads mean that adjusters can consistently provide the attentive and proactive member service that is a Delaware Valley Trusts hallmark.
• Value-Added benefits such as a robust Wellness Program, Risk Control Services, and a dedicated in-house Legal & Compliance team.

Interested in learning more?

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