About Us

While The Trust does provide insurance coverage, it is not an insurance company but rather a Member-owned, risk sharing organization, legislatively created, to enable Rhode Island municipalities, school districts and special purpose districts to work cooperatively and self-insure their risks.  Trust Members are encouraged to incorporate sound risk management protocols and safety procedures into their daily routines so that fewer losses will be experienced, ultimately resulting in lower premiums for all Members. 

While many commercial carriers have restricted coverage over the years, The Trust has maintained its insurance coverage.  In response to the changing times and needs of its Members, whether it be emerging risks, trends in workplace safety or new exposures that Members are facing, new coverages, programs and services are constantly being considered to ensure that Members are well positioned to protect themselves from losses.