Trident Program

TRIDENT Group Property & Casualty Program

First proprietary group Property & Casualty insurance program exclusively for municipalities in Delaware: 

• Currently 21 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;

• 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.