Trident Program

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.