Q: Who is The Trust?
A: Trust Members are owners of The Trust, not just customers. They have the opportunity to participate in making the decisions that affect their premium and coverage. By choosing to be part of the Board of Trustees or other action committees, Member input makes a difference. Because The Trust is Member owned and operated, Trust funds belong to its entities. The Investment and Audit Committee, along with the Board of Trustees, take an active role in setting sound conservative financial policy. Underwriting, investment practice, and operating budgets are reviewed closely by appropriate committees. All policy decisions are approved by a Member elected board. Starting with six founding Members, The Trust has flourished to include 110 public entities. Current Trust owners are:

Municipalities:
Barrington, Bristol, Burrillville, Central Falls, Charlestown, Coventry, Cumberland, East Providence, Exeter, Foster, Glocester, Hopkinton, Jamestown, Johnston, Lincoln, Little Compton, Middletown, Narragansett, New Shoreham, Newport, North Kingstown, North Providence, North Smithfield, Pawtucket, Portsmouth, Scituate, Smithfield, South Kingstown, Tiverton, Warren, Warwick, West Greenwich, and West Warwick

Schools:
Barrington, Bristol-Warren Regional, Burrillville, Central Falls, Chariho Regional, Coventry, Cranston, Cumberland, East Providence,Foster, Foster-Glocester Regional, Glocester, Jamestown, Johnston, Lincoln, Middletown, Narragansett, New Shoreham, Newport, North Kingstown, North Providence, North Smithfield, Pawtucket, Portsmouth, Scituate, Smithfield, South Kingstown, Tiverton, Warwick, West Warwick, Woonsocket

Special Purpose Districts:
Bonnet Shores Fire District, Burrillville Sewer Authority, Central Falls Detention Facility, Chariho Tri-Town Task Force, Clark Memorial Library, Cross' Mills Library, Davisville Free Library Association, East Bay Educational Collaborative, East Smithfield Public Library, Foster Public Library, George Hail Library, Glocester Housing Authority, Glocester Land Trust, Glocester Manton Public Library, Greenville Public Library, Harmony Public Library, Hope Library, Jesse M. Smith Memorial Library, Johnston Housing Authority, Kent County Water Authority, Laymen in North Kingstown Schools (LINKS), Lincoln Water Commission, Little Compton Free Public Library Trustees, Nasonville Fire District, Newport Convention and Visitor's Bureau, Newport Public Library, North Scituate Public Library, North Smithfield Fire and Rescue Services (formerly Primrose Volunteer Fire), North Smithfield Mini- Bus, North Smithfield Public Library, Northern Rhode Island Collaborative, Pawtucket Housing Authority, Pawtuxet River Authority, Portsmouth Free Public Library, Portsmouth Multi-Purpose Senior Center, Portsmouth Water and Fire District, Providence Public Buildings Authority, Prudence Island Water District, RI Interlocal Risk Management Trust, RI League of Cities and Towns, Shady Harbor Fire District, South Kingstown CARES, Southern RI Collaborative, Tyler Free Library, Volunteers of Warwick Schools, West Bay Collaborative, West Warwick Housing Authority, West Warwick Sewer Commission, Western RI Home Repair Program

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Q: What is The Trust?
A: "The Rhode Island Interlocal Risk Management Trust is Member owned and managed, providing highest value risk management service opportunities to Rhode Island public entities and the people they serve." - Mission Statement
The Trust defends and pays claims just like any other insurance provider does. But unlike any other insurance provider, The Trust is committed to helping its Members prevent those claims in the first place. Acting as a partner in risk management, The Trust's Loss Prevention Department works hand-in-hand with its Members targeting problem areas and developing effective solutions to help minimize potential claims. A variety of special programs, seminars and training sessions are regularly offered as new Member needs are identified. Together with its Members, The Trust has proven that effective risk management works in reducing claims.

Q: When was The Trust formed?
A: The Trust began as an innovative idea in the minds of a small group of local elected officials and government chief executives associated with the RI League of Cities and Towns in response to the changing insurance market. Local government was facing a crisis in finding reasonably priced insurance coverage, if any at all. Many commercial insurers were struggling financially, refusing to pay claims. American Universal went bankrupt leaving one large school district with virtually no protection or recourse. Workers' Compensation insurers fled the state, abandoning RI municipalities. Founding municipalities that included Cranston, Cumberland, East Providence, Foster, Warwick, and Woonsocket provided the framework through which local municipalities and schools could jointly self-insure risks arising from liability, property and workers' compensation exposures. After its inception in July 1986, The Trust quickly became the insurer of choice among RI's public entities.

Q: Where can I contact The Trust for more info?
Click here for contact Information

Q: Why The Trust?
Because Trust Membership has its advantages:

• Broad and comprehensive insurance coverage designed specifically for public sector entities
• Timely enhancements to coverage that address changing issues in the public sector environment
• The opportunity to take part in the decision-making process and play an active role in effecting Trust changes
• Return of surplus dollars or Members' Equity in the form of dividends, lower rates and stable premiums
• Personal service from The Trust staff in promptly responding to Member requests
• Presentation of Stewardship Reports, an overview of the key strengths of Members' risk management partnership with The Trust
• Member participation in litigation, settlement and defense of claims
• Active representation at the General Assembly by The Trust in opposing unfavorable proposed legislative changes
• Tenant User Liability Insurance Program (TULIP), which provides short-term liability coverage to the public who wish to use Member-owned facilities for special events
• Prompt processing of Certificates of Insurance requests
• Trust management of Member vehicle, property and watercraft inventories through internal database systems

• Hassle-free Drug and Alcohol Testing Consortium
• Risk Management seminars and on-site training sessions
• Wellness and Return-to-Work Programs
• Development of model safety policies and manuals for Member use
• Risk Management Scholarship Programs
• Safety Equipment Grant Program
• Workers' Compensation Preferred Provider Network (PPN) designed to ensure that all employees receive the quality care and rehabilitative assistance needed to return to full productivity and work
• Free property appraisals for all Member-owned buildings
• Free pre-placement employment physicals
• Quarterly Newsletter and timely/periodic Risk Management Bulletins
• Assistance in organizing safety committees
• Work site safety audits
• Extensive video library promoting workplace safety for public sector settings
• Employee Health Fairs
• Sponsor of the "Wise Owl" eye safety education program
• Co-sponsor of the Rhode Island Annual Snow Plow Rodeo

Click here to see The Trust's current Board of Trustees and Committee participants

Click here to see a directory for The Trust staff

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