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Our Story

Built on Trust: Coverage that Puts Public Entities in Control

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

The Delaware Valley Trusts offer:

A sole focus on public entities

Delaware Valley Trusts exclusively serves municipalities, counties, authorities, and other public entities, ensuring tailored coverage for government-specific risks. 

A lower expense ratio than commercial carriers

By operating as a nonprofit risk pool, the Trusts keep administrative costs low so more premium dollars go directly toward claims and member benefits. 

No broker or agent commissions

The Trusts eliminate middlemen, avoiding commission costs that can inflate premiums by up to 15%, delivering direct savings to members.

An emphasis on building and maintaining surplus

Strong reserves provide a financial cushion to absorb unexpected claims and reduce reliance on excess insurers, ensuring long-term stability. 

Investment income generation

Earnings from surplus are returned to members through dividends, rate stabilization funds, and grants, reinforcing affordability and shared financial rewards. 

Exceptional loss control and claims service

Dedicated risk control programs and manageable caseloads allow adjusters to deliver personalized, proactive service to minimize losses and expedite claims. 

Value-Added benefits

Members enjoy extras like wellness programs, compliance support, safety training, and risk control grants that enhance coverage and reduce exposure beyond standard insurance. 

To Serve Our Members

Health Trust members across Pennsylvania and Delaware have enjoyed long-term premium stability, superior member service, first-class claims adjudication, and a wide array of exclusive value-added benefits anchored by robust wellness programs.

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The Delaware Valley Workers’ Compensation Trust members enjoy in-house claims adjudication and litigation management, customized injury and illness prevention services, and a wide array of exclusive value-added services including best-in-class training programs.

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The Delaware Valley Property & Liability Trust offers an alternative – quality property and liability protection at stable rates often well below those offered by the commercial market. The Trust is focused solely on public entities with coverage tailored to their unique exposures.

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