Property / Liability

Designed exclusively for the public sector, The Trust's Property/Liability insurance coverage is recognized as the most broad and comprehensive available in Rhode Island. Coverage comes bundled to include Property, Equipment Breakdown, Crime and Employee Dishonesty, Automobile Physical Damage, Uninsured Motorist Liability, General Liability, Police Professional Liability, Public Officials' Liability, School Board Legal Liability, Employment Practices Liability, Automobile Liability, Employee Benefit Liability, Medical Services Providers Liability, Automobile Medical Payments Liability. Specialty coverage enhancements such as flood insurance and cyber liability are also included.

Electronic Device Protection

Electronic Device Protection provides full coverage on all 1:1 school-owned electronic devices, with no deductible. Devices are protected from Accidental Damage (drops, cracks, spills, etc.), Cracked Screen, Liquid Submersion, Theft, Vandalism, Fire, Flood, Natural Disasters, and Power Surge by Lightening. Policies are available for one, two or three years.


TULIP (Tenant User Liability Insurance Policy) provides insurance coverage to third parties (individuals, groups, organizations, etc.) who wish to use public facilities owned by Trust Members for “special events” such as meetings, weddings, receptions, festivals, and sporting events. It offers coverage limits of $1 million for products/operations and $1 million in liability for bodily injury and property damage, largely freeing both the third-party user and the Trust Member from losses that may occur during a designated function. The third party (individual, group or organization) can obtain a quote and/or purchase TULIP insurance coverage directly online at¬†using a credit card. They will need your entity’s TULIP ID Code to complete the process.