Property, Liability, and Workers’ Compensation Insurance

Since 1982, The HDH Group as the exclusive broker for the Municipal Risk Management Workers’ Compensation and Property & Liability Trust Programs, has provided an insurance program to townships throughout the commonwealth.

Coverage Options:

  • Workers’ Compensation
  • Property
  • General Liability
  • Automobile
  • Mechanical Breakdown
  • Inland Marine
  • Crime
  • Excess Liability
  • Police Professional
  • Public Officials
  • Employment Practices


  • Dividends – The programs have returned more than $55 million to participating members.
  • Risk Exposure & Coverage Analysis
  • Loss Control Services
  • Contract Review
  • Claims administered by Philadelphia Insurance Company, our dedicated third-party administrator
  • Defense law firms who have actual experience in municipal litigation

This program provides the broadest scope of insurance coverage available to Pennsylvania townships and contains coverage features and benefits that other municipal insurance programs are not providing. Throughout the years, the PSATS/MRM program has been a constant force in the municipal marketplace.

Assuring Our Clients’ Success is not just our mission; it’s our passion. With innovative products, technology, and services, our employee-owners work aggressively to meet the ever-changing insurance needs of our clients – and exceed their expectations.

This program is available through your local insurance provider. For more information about our insurance programs, click here.