About the Organization

The Delaware Valley Trusts are risk sharing pools owned, operated and controlled by 125 units Pennsylvania public entities.  The three trusts offer comprehensive coverage in property and liability, workers' compensation and employee benefits. 

Pooling is an alternative to commercial insurance that requires a longer commitment in order to be effective.  New members are required to participate for a minimum of two years, although the trusts fully expect applicants to be active, contributing members for much longer durations.   All applicants must be approved by two-thirds of the current membership.  Prospective members may choose to join one, two or all three trusts; members of more than one trust are eligible for multi-trust discounts.  

By policy the trusts maintain a conservative premium-to-surplus ratio. All excess funds are returned to the membership in the form of dividends or rate stabilization fund premium credits.  The trusts have returned funds to the membership each of the past 21 years.

According to most participants, coverage levels and technical services greatly surpass conventional insurance programs.  Membership retention exceeds 95%.


The Delaware Valley Municipal Management Association is a limited liability corporation (LLC) originally formed by the three Delaware Valley Trusts to provide internal support services. 

DVMMA also offers a short-term disability management program to members of the trusts on a fee-for-service basis.  The program applies case management practices to non-occupational disabilities. The Association may also contract with members and member affiliates to provide ad hoc loss control and information technology support.  Long term initiatives could include the support of any regional project benefiting the membership.

For more information, please contact the Trust office.