Through our risk-sharing pools, we deliver health, workers’ compensation, and property & liability coverage designed specifically to help public entities save money, stay protected, and keep employees healthy and happy. Over the past four decades, we have prioritized long-term financial stability and optimized our programs to provide superior coverage at the lowest responsible cost.
Our members enjoy stable rates that defy insurance industry trends, allowing them to budget confidently and with ease. Each Trust’s investment income accrues for the benefit of our membership. They also take advantage of cash dividends, our Rate Stabilization Fund, multi-trust discounts, and other economic incentives that make quality coverage even more affordable. Member satisfaction is confirmed by our 95% retention rate and a growing enrollment of more than 160 public entities in Pennsylvania and Delaware
