Member Ownership

  • The Trust is owned by the municipal entities and is governed by a member elected Board of Trustees.

Rate Stability

  • The Trust has provided rate stability over the years that is not subject to the fluctuations of the full insured market.

Low Costs

  • By sharing risk, the Trust can offer competitive pricing as an alternative to the fully insured market.

Quality Claims Administration

  • Members are provided with up to date status reports on claims. Assistance is offered for claims resolution and to return the injured employee to work as expeditiously as possible.

Safety Training

  • The Trust offers free monthly webinars and training sessions for employees at various locations.



  • Surplus funds not needed for claims expenses or loss reserves are returned to the membership as dividends on an annual basis.

Safety Grants

  • The Trust administers an annual safety grant program that is available for all members.