• Property/Liability


    By far, The Trust’s Property Liability insurance coverage is recognized as the most comprehensive available in Rhode Island. It is specially designed for the local government sector by municipal and school officials who serve on The Trust’s Board and who set Trust policy and establish coverage parameters. 

  • Workers' Compensation

    Workers' Compensation

    As a Member of The Trust’s Workers’ Compensation Pool, The Trust offers Members incomparable administrative convenience and public sector expertise in the processing, handling and the prevention of workplace injuries and resulting losses.

  • Health


    The Trust Health Pool, in partnership with Blue Cross and Blue Shield of Rhode Island, provides a comprehensive spectrum of health plan options that can be tailored, with different benefits, co-pays, and deductibles, to meet the diverse needs of Trust Members.

  • Dental


    The Trust's Dental Insurance Pool provides Members with high quality and affordable dental care.  In partnership with Delta Dental, the program features excellent treatment and coverage through a comprehensive dental network with a variety of plan options that can be customized to meet the individual needs of each Trust Member. 

  • OPEB


    In partnership with Public Agency Retirement Services (PARS), The Trust has established a comprehensive and costeffective Other Post Employment Benefits (OPEB) Funding Program. Participating Members will have the security of oversight by The Trust and a “one-stop shop” for OPEB prefunding.

  • Loss Prevention

    Loss Prevention

    The Trust is committed to a state-of-the-art risk management partnership with its Members. Our specialized loss prevention programs and risk management services are designed to specifically address the unique and ever-evolving concerns and problems faced by local government today. 

  • Wellness


    The Trust’s Wellness Program is designed to help manage the rising cost of health care and improve the quality of life for Member employees and their families. In partnership with Blue Cross Blue Shield of Rhode Island, our Wellness Program features a strong focus on preventative care as a way to impact costs and improve outcomes. 

Training & Events

Stay up to date with the latest calendar of training and events offered by The Trust. You can register online!


Submit a Claim

Report your property, liability, workers' compensation and public safety injured-on-duty claims here. 

submit a claim

Trust Publications

The Trust publishes a periodic newsletter and occasional risk management bulletins containing safety tips, summaries of recent lawsuits, Member current events, risk management techniques, and other general insurance-related items to help lower risk and prevent loss.

News & Announcements

Health Matters Forges Ahead with Great Success

The Trust is thrilled at the response its Members have had to its recently established Health Matters wellness program. To date, 62% of Health Pool Members are participating in the program and The Trust expects that number to increase to at least 70% participation by the end of this Fiscal Year. 

Participation Continues to Grow in Trust OPEB Funding Program

Rhode Island municipalities and school districts are making great strides to fund their OPEB liabilities through The Trust’s OPEB Funding Program. The Program, in existence for less than 10 months, now has 17 participating Members who have contributed nearly $25 million toward their OPEB liabilities. The Trust is currently working with seven other communities regarding membership in the OPEB Funding Program, as well.

Now Accepting Applications for The Trust's 30th Anniversary Scholarship & Safety Enhancement Grant Programs

In celebration of our 30th Year Anniversary, The Trust is excited to announce that we will be accepting applications for our 2016-2017 Safety Enhancement Grant and Scholarship Program, and awarding a total of $30,000 in Safety Enhancement Grants and $10,000 in scholarships. These programs provide safety grants and educational opportunities to Trust Members.

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