• 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

Trust OPEB Funding Progam Off to a Great Start 

The Trust’s OPEB Funding Program is off to a great start with 12 new Members.  A number of other entities are interested in joining The Trust OPEB Funding Program in the coming months.  To date, Member entities have contributed more than $13.9 million toward their OPEB liabilities through The Trust OPEB Funding Program.  

Catastrophic Property Reinsurance Program Restructuring Provides Enhanced Coverage and Savings to Members

Changes to The Trust’s Catastrophic Property Reinsurance Program for the 2015-2016 Policy Year are good news to Members with significant improvements to flood coverage as well as the addition of first and third party cyber liability and pollution coverage.  

Trust Introduces Health Matters

With the expansion of The Trust’s Wellness Program to all Health Pool Members, The Trust is excited to announce the introduction of Health Matters. The Health Matters Program combines program offerings from Blue Cross and Blue Shield of Rhode Island with internally administered Trust programs to meet Members’ needs.

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