Local Government Insurance Trust

Insurance Coverage & Risk Management Services

The Local Government Insurance Trust (LGIT) provides insurance coverage and risk management services. Owned and directed by its members, membership in the trust is limited to local governments that are members of the Maryland Municipal League, the Maryland Association of Counties (MACO), or Maryland public entities sponsored by a local government that is a trust member.

The trust provides coverage for liability, health, and property related risks as well as support services including litigation, administration, and management of claims, risk management, and loss control services, training, and property valuation.

Types of Coverage

The trust operates four pools of coverage including:

  • Excess liability
  • Health benefits
  • Primary liability
  • Property

Other Services

LGIT also sponsors an Environmental Impairment Liability Pool and numerous other services to its members including an Employment Law Hotline, a matching grants program, training seminars, member newsletters, and special-focus bulletins, as well as a litigation information exchange for local government attorneys.