RMS Overview

VT-Towns-Image

   PACIF logo   VLCT Health Trust logo   VLCT Health Trust logo  

VLCT's Risk Management Services (RMS) division provides insurance, benefits, and safety and health programs designed with the needs of Vermont's municipalities in mind. The RMS staff administers three separate self-insurance pools: the Property and Casualty Intermunicipal Fund (PACIF), the VLCT Health Trust, and the Unemployment Insurance (UI) Trust. Each pool is non-profit, member-owned, board-directed, and has its own separate and distinct programs and services.

  • VLCT PACIF, created in 1986 for coverage that began in 1987, provides extensive coverage for losses to member municipalities for property damage, auto accidents, injured employees, public official liability and employment practices liability. Members gain additional benefit from PACIF's unique public safety and risk management programs as well as dedicated in-house claims adjusters.
  • VLCT Unemployment Insurance Trust, recognized as one of the first municipal risk management pools in the country, began operations in 1978. It is a municipal trust fund that pays costs associated with unemployment insurance claims filed against the member city or town.
  • VLCT Health Trust began operation in 1982 as the first health trust in Vermont. The Trust offers municipal members a special selection of health insurance and benefit plans that include group dental insurance, vision coverage, life insurance, and long- and short-term disability insurance.