Municipal Insurance Solutions
Since 1982 the Municipal Risk Management Trusts (MRM Trusts) and HDH Group have been providing insurance protection to hundreds of local governments and municipal authorities across Pennsylvania. In addition to providing cost-effective and self-insured municipal insurance solutions, through the years the MRM Trusts have generated in excess of $330,000,000 of earned premium and have returned more than $73,000,000 back to its members in the form of annual dividends. These dividends help lower net insurance costs for members and their taxpayers. HDH Group is the exclusive broker to the MRM Trusts and provides municipal clients with expert loss control, claims and other services to help them manage their insurance programs cost-effectively.
Workers’ Compensation Trust
The MRM Workers’ Compensation Trust represents a proven, long-term solution for managing Workers’ Compensation costs. It is administered and serviced by professionals with experience in municipal law and local government risk management and offers eligible entities a complete managed care program designed to reduce costs, risks, and return surplus funds to members in the form of annual dividends.
Property & Liability Trust
The MRM Property & Liability Trust offers a wide range of essential and required insurance coverages, including Pennsylvania-specific coverage. It is designed to provide property, automobile, general and excess liability limits at competitive premium levels. In addition, its loss prevention, inspection and claims handling services help to reduce risks and costs so members can share in the financial benefits of the program’s annual dividend payments.
Eligible Entities
- Cities
- Boroughs
- Townships
- Volunteer Fire Departments
- Municipal Authorities
- Home-Rule Municipalities
Political Subdivisions take many varied forms. Contact us with questions about eligibility. |
