The Intelligent Insurance Solution


Professional Affiliations

The Trust welcomes inquiries from insurance brokers and agents. The Trust provides worker's compensation coverage in the state of Connecticut and currently insures over 50,000 healthcare and human services employees. Trust members include: hospitals, nursing homes, visiting nurse associations, home healthcare agencies, ambulance services, schools for mentally/physically challenged, group homes, medical services, social service agencies and others.

Injured workers receive exceptional care under the Trust's Managed Care Program which utilizes our own statewide, comprehensive medical network. This program includes many custom features that significantly reduce medical costs and lost work time.

The Trust markets its products and services through insurance brokers and agents. Applications and supporting loss information are sent directly to the Trust and premium quotations are turned around very quickly. Please see How to Obtain a Quote for further information. Accounts are direct billed and installments are offered. Policies may be quoted on either a commission or net basis. Commissions are forwarded to the broker or agent as premiums are received.

The Trust offers some unique advantages not available from standard market carriers including:

  • specialized rates and unique class codes
  • payroll capping at $50,000 per employee at audit
  • premium returns to members

For a more complete listing of these benefits see Benefits to Members.

Focusing only on the healthcare industry allows the Trust to deliver exceptional Claim Administration and Loss Control Services to its members. Our staff understand the specific needs of healthcare employers and the varying physical and emotional demands placed on healthcare employees. Our "Hands On" approach gives us greater insight to effectively reduce losses and help members keep costs under control. In addition, Trust members receive a multitude of educational programs free of charge. These programs are listed in our annual Education Calendar.

With more than $20,550,000 in premium returns given back to members, the Trust prides itself in a strong financial performance over its 30 year history and we take the financial protection of our members very seriously. Numerous safeguards are in place to protect members, such as specific excess insurance, a capital fund, and a conservative investment strategy. For additional information click the Protection for Members tab.

A "High Performance Broker Program" is also available to qualifying brokers and agents. Marketing material is available upon request. For additional information, contact either:

Nathan Shippee, Vice President, Sales & Marketing

Tele: 203-678-0110 Fax: 203-678-0310 E-mail:


Pat Cramer, Account Executive

Tele: 203-678-0112 Fax: 203-678-0312 E-mail:

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