Delaware Valley Trusts
Delaware Valley Trusts is a not-for-profit, member-owned municipal insurance pool serving Pennsylvania and Delaware public entities through three trust programs — Health, Workers' Compensation, and Property & Liability — covering 24,000+ employees and families.
- Company typePrivate
- Founded1989
- HeadquartersHorsham, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Delaware Valley Trusts does
Delaware Valley Trusts is a not-for-profit, member-owned municipal insurance pool founded in 1989 and headquartered in Horsham, Pennsylvania. It serves public entities — including municipalities, townships, and counties — across Pennsylvania and Delaware through three core trust programs: the Delaware Valley Health Trust (DVHT) providing HMO, PPO, and high-deductible health plans with HSA/HRA options; the Delaware Valley Workers' Compensation Trust (DVWCT) offering workers' compensation coverage with prescription card and claims management; and the Delaware Valley Property & Liability Trust (DVPLT) delivering specialized municipal property, general liability, and public officials' liability coverage. The organization pools risk across its membership to deliver stable premiums that diverge from broader insurance industry pricing trends, returning surplus to members via cash dividends, rate credits, and multi-trust discounts.
The underlying technology platform includes the DVHT member portal for enrollment and eligibility management, the Origami Risk claims management system for property/liability and workers' comp claims, and HIPAA-standard 834 enrollment file integration with third-party benefit administrators. Ancillary capabilities include an on-site DVHT Health Center staffed by physician assistants, a Disability Management Program, wellness incentives, and risk control consulting. Revenue is generated through recurring subscription premiums across the three trust lines, with professional services fees for the Disability Management Program available to non-members.
The go-to-market is direct membership sales to public entities in Pennsylvania and Delaware, supported by content marketing via the Trust Connections newsletter, the Trust News/Insights blog, events and training programs, and webinars. Member engagement is delivered through trust leadership, executive directors, and dedicated consultants, with member-owned governance via a Board of Managers. The organization reports strong member satisfaction metrics, including 98-100% effectiveness ratings across accident prevention, claims performance, annual service visits, and newsletter communications.
Delaware Valley Trusts firmographics
Firmographics- Name
- Delaware Valley Trusts
- Legal name
- Delaware Valley Municipal Management Association
- Website
- https://dvtrusts.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Delaware Valley Trusts is a not-for-profit, member-owned municipal insurance pool serving Pennsylvania and Delaware public entities through three trust programs — Health, Workers' Compensation, and Property & Liability — covering 24,000+ employees and families.
- Ownership category
- akta.pro rank
Delaware Valley Trusts industry classification
Industry- Product category
- Municipal Risk Management & Insurance Trust
- NAICS
- Trusts, Estates, and Agency Accounts (52592), Insurance and Employee Benefit Funds (5251), Funds, Trusts, and Other Financial Vehicles (525)
- akta.pro primary industry
- Corporate & Institutional Trust Services (FSAAANAB)
- akta.pro secondary industries
- Directed Trust & Trust Advisory Services (FSAAANAK), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB)
Keywords
Where Delaware Valley Trusts is headquartered
LocationHeadquarters
- HQ city
- Horsham
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Delaware Valley Trusts business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Health Trust Premiums: Comprehensive healthcare coverage for public entity employees and families, including HMO, PPO, and high-deductible plans with HSA/HRA arrangements
- Workers' Compensation Trust: Workers' compensation coverage tailored for public employers including prescription card program and claims management
- Property & Liability Trust: Specialized property and liability protection for municipalities including general liability, public officials liability, and property coverage
- Disability Management Program: Fee-for-service nurse case management program for non-occupational injuries, illnesses, or disabilities available to members and non-members
- Wellness Program Services: Wellness incentives and reimbursements for Health Trust enrollees and covered spouses, with IRS Form 1099 reporting for amounts exceeding $2,000
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Health Trust - Comprehensive flexible healthcare |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Delaware Valley Trusts product offering
Product offeringCore offering
Delaware Valley Trusts is a not-for-profit, member-owned risk-sharing organization that delivers health, workers' compensation, and property & liability insurance coverage to Pennsylvania and Delaware public entities through three core trust programs (DVHT, DVWCT, DVPLT). Members gain access to comprehensive benefits administration, claims management, risk control consulting, wellness programs, and ancillary services under a stable-rate model that returns surplus as dividends or rate credits.
Product overview
Delaware Valley Trusts operates as a not-for-profit, member-owned organization providing a portfolio of three interconnected trust programs for Pennsylvania and Delaware public entities. The core offerings consist of the Health Trust (DVHT) delivering comprehensive healthcare coverage, the Workers' Compensation Trust (DVWCT) providing workers' comp protection, and the Property & Liability Trust (DVPLT) offering specialized municipal coverage. These trusts share administrative services including a member portal, wellness programs, risk control consulting, and claims management. Additional value-added services include a Disability Management Program, ancillary insurance lines, mental health partnerships (Telemynd), virtual physical therapy (Hinge Health), and dental benefits. Members can access plan adjustments at any point during the year and benefit from cash dividends, rate credits, and multi-trust discounts.
Differentiator
Problem solved
Functional benefit
Brands
- Delaware Valley Health Trust (DVHT): Comprehensive, flexible healthcare coverage for public entity employees and families, serving over 24,000 members.
- Delaware Valley Workers' Compensation Trust (DVWCT)
- Delaware Valley Property & Liability Trust (DVPLT)
Products and services
- Health Trust (DVHT) Comprehensive, flexible healthcare coverage for over 24,000 public sector employees and families. Offers HMO, PPO, and high-deductible health plans with health savings or reimbursement arrangements.
- Workers' Compensation Trust (DVWCT) Reliable workers' compensation coverage tailored for public employers and their teams. Includes claims management, prescription cards, and pharmacy benefit management.
- Property & Liability Trust (DVPLT) Specialized property and liability protection for municipalities. Covers general liability, public officials' liability, property coverage, and environmental liability exposures.
- Disability Management Program Fee-for-service program providing structured, proactive support for employees with non-occupational injuries, illnesses, or disabilities. Includes nurse case management, workplace integration, and fitness for duty examinations.
- DVHT Health Center On-site health center providing primary care, urgent care, emergency medicine, and physical medicine & rehabilitation services. Staffed by certified physician assistants.
- Ancillary Lines Program Competitively priced Group Life and Disability insurance plans available to DVHT member municipalities, offering additional coverage beyond core health plans.
- Law Enforcement Pre-Hire Psychological Assessment Program covering the cost of Pennsylvania-mandated psychological evaluations for law enforcement candidates. Provided by panel psychologist Dr. Paul Dikun.
- Claims Management Services Claims review, reporting, and management through Origami Risk platform. Available for property & liability and workers' compensation claims with dedicated claims managers.
Quantifiable outcome
- 98% of members rate DVWCT's accident and illness prevention program as effective
- +2 more outcomes
Companies that use Delaware Valley Trusts
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles1 record
Delaware Valley Trusts technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
Delaware Valley Trusts partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- AetnacoreAetna serves as the health insurance carrier providing medical plan coverage for Delaware Valley Health Trust members. Members enrolled in Aetna medical plans have access to additional services including Hinge Health virtual physical therapy and Telemynd mental health resources.
- Hinge HealthcoreVirtual physical therapy program available to members enrolled in Aetna medical plans through DVHT. Launched July 14, 2025, providing digital exercise therapy and coaching for musculoskeletal conditions.
- Delta DentalcoreDental insurance provider offering virtual dentistry services and SmileWay wellness benefits for DVHT members.
- Origami RiskcoreOnline claims management platform and electronic records management system used for claims submission and processing through the DVHT portal.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Delaware Valley Trusts competitors and assessment
Company assessmentDirect peers
- Michigan Municipal Risk Management Authority (MMRMA): Michigan-based municipal self-insurance pool providing liability, property, and workers' compensation coverage to member municipalities. Direct structural peer to DVPLT and DVWCT with similar risk-pooling model.
- Schools Excess Liability Fund (SELF): California joint powers authority providing excess liability coverage to public schools and community colleges. Comparable public-entity risk pool with member-owned structure.
- Vermont League of Cities and Towns (VLCT) Property and Casualty Program: Vermont municipal association operating an insurance trust providing property, liability, and workers' comp coverage to member municipalities. Closely analogous multi-line municipal pool.
- Ohio Municipal League Joint Self-Insurance Pool: Ohio municipal league offering self-insurance pools for member cities and villages. Comparable mid-Atlantic-adjacent municipal risk pool with multi-line coverage.
- New York Schools Insurance Reciprocal (NYSIR): Member-owned reciprocal insurance pool providing property, liability, and workers' compensation coverage to NY school districts. Operates similar trust/reciprocal structure serving public entities.
- Pennsylvania Municipal Health Insurance Cooperative (PMHIC): Pennsylvania-based health insurance cooperative for municipal employees, directly comparable to DVHT in serving PA public entities with pooled health coverage.
Others
- Travelers Insurance:
- Public Risk Management Association (PRIMA): National association for public-sector risk managers. Not a direct competitor but a peer ecosystem organization serving the same municipal risk management buyer base.
Broad incumbents
- Safety National Casualty Corporation: Large national workers' compensation insurance carrier and reinsurer serving public entities and large employers. Comparable on the workers' comp line but operates as a for-profit carrier rather than member pool.
- Chubb Limited: Global P&C insurer serving municipalities, schools, and public entities. Competes with DVPLT on public officials liability and property coverage at national scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Delaware Valley Trusts social profiles
Digital presenceDelaware Valley Trusts compliance and trust
Trust signalCompliance3 records
Delaware Valley Trusts financial estimates
Financial estimateRevenue estimate
Valuation estimate
Delaware Valley Trusts leadership team
Management profileNumber of profiles
Profiles9 records
Delaware Valley Trusts subsidiaries and ownership
Company hierarchySubsidiaries3 records
Delaware Valley Trusts funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Delaware Valley Trusts M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Delaware Valley Trusts
What does Delaware Valley Trusts do?
Delaware Valley Trusts is a not-for-profit, member-owned risk-sharing organization that delivers health, workers' compensation, and property & liability insurance coverage to Pennsylvania and Delaware public entities through three core trust programs (DVHT, DVWCT, DVPLT). Members gain access to comprehensive benefits administration, claims management, risk control consulting, wellness programs, and ancillary services under a stable-rate model that returns surplus as dividends or rate credits.
Is Delaware Valley Trusts a public or private company?
Delaware Valley Trusts is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Delaware Valley Trusts founded?
Delaware Valley Trusts was founded in 1989. It employs 11 to 50 people.
Where is Delaware Valley Trusts based?
Delaware Valley Trusts is headquartered in Horsham, United States, in the North America region.
How does Delaware Valley Trusts make money?
Five revenue lines are on record. Health Trust Premiums are the primary driver. The others are workers' Compensation Trust, property & Liability Trust, disability Management Program and wellness Program Services.
Who are Delaware Valley Trusts's main competitors?
Direct peers on record are Michigan Municipal Risk Management Authority (MMRMA), Schools Excess Liability Fund (SELF), Vermont League of Cities and Towns (VLCT) Property and Casualty Program, Ohio Municipal League Joint Self-Insurance Pool, New York Schools Insurance Reciprocal (NYSIR) and Pennsylvania Municipal Health Insurance Cooperative (PMHIC). Others are Travelers Insurance and Public Risk Management Association (PRIMA). Broad incumbents are Safety National Casualty Corporation and Chubb Limited.
Does Delaware Valley Trusts have an API?
No public API is recorded for Delaware Valley Trusts.
What industry is Delaware Valley Trusts in?
Delaware Valley Trusts's product category is Municipal Risk Management & Insurance Trust. Its primary akta.pro industry code is FSAAANAB, Corporate & Institutional Trust Services, with a secondary code of FSAAANAK, Directed Trust & Trust Advisory Services. Its NAICS code is 52592.