TRIDENT Group Property & Casualty Program
First proprietary group Property & Casualty insurance program exclusively for municipalities in Delaware:
- Currently 20 municipal members; Each has experienced reduced costs and superior coverages when joining the program;
- Goal: to mirror the same footprint of success in Delaware as the DFIT Workers Compensation Program;
- A viable and competitive option to traditional insurance purchasing, which provides long-term stability of cost and risk mitigation protection;
- Members receive the protection of economy of scale; the experience of the group, not all other industries, control the costs;
- Includes Property coverages, offering consistency in an ever increasing ‘hard’ property market, where coastal exposures continue to become challenging for insurers and their reinsurers;
- Coverages have been crafted specifically to address coverage needs/concerns/issues of Delaware municipalities;
- Guaranteed cost; each Member receives their own policy.
- Trident offers some unique coverage features for Liability protections in areas where municipalities could experience the costliest claims/litigation
Each member of this group program receives risk control, legal, and HR related resources, at no additional cost, that will provide direct financial and administrative benefits, such as:
- Trident Risk Control Training Portal
- Contract Reviews
- Legal Evaluation of Employee Handbook; Recommendations for revisions
- Trident Legal Counsel available as consultants for questions for Liability issues (i.e. Public Officials; Inspections; Employment Practices)
- Anti- Harassment/ Sensitivity Training Seminar- 2019 (dates TBD)
- Playground Inspections
- Environmental Assessments
- Property Inspections
- Access to information such as Federal DOT drug/alcohol testing result retention
- Hands on, person to person on-site training as needed by each individual municipality
- Access to Trident’s dedicated Risk Control personnel, who have been assigned to this program, and attend the quarterly DFIT meetings in Dover.