Delaware Valley Trusts are public entity insurance pools designed and operating to manage risk for local governments and public schools in Pennsylvania and Delaware. While functioning in place of traditional insurance, the members who seek property & casualty liability, workers compensation and health coverages, also benefit from lower, stable rates, dividends from deeper reserves, and adjusters who are able to specialize in this limited market and provide high quality service, while avoiding problems that arise from larger markets and customer bases. Avoiding auto insurance to the general public is a big advantage. As a result, there are lower expense ratios, no brokers/commissions, and an emphasis on growing the surplus to everyone's benefit. In turn, it helps keep overall municipal costs down, which helps with maintaining a lower tax profile for the communities involved. Too, they offer training of importance to municipal employees and a health clinic at their Dresher Road corporate center for all participants in their programs. I just completed a full day continuing legal education workshop for solicitors, where the latest trends and legal developments impacting boroughs, townships, villages and cities were reviewed in detail while we received credit toward our annual CLE requirements. The instruction was excellent and well worth the time and expense. Interestingly, their offices and training venues are modest compared to hotel facilities where these programs most often take place. It is very good to know that preserving assets to reinvest in the enterprise or return as lower premiums for the members, is taken so seriously. DVIT walks the walk and talks the talk, making insurance frugality a daily part of their equation. read more