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.