Members own the Trusts, and they are nonprofit. Unlike an insurance company, the Trusts only objectives are to serve the membership.

Trusts are run by the counties for the counties. The Trusts Board of Trustees is made up of county government officials.

Coverages and services are tailored to South Carolina's county governments, instead of the insurance industry standard “one size fits all.”

Long-term budget stability provided through the Trusts help counties minimize the peaks and valleys in their insurance premiums over the long term.

Specialized Risk Control Services including law enforcement and detention centers. These services are provided by full-time association staff and are specific to county government.

SCCP&LT is non-auditable. Pricing through the Trust is basically non-auditable; meaning that members will not be assessed for normal additional equipment or autos acquired during the policy year. You should note that both the SCIRF and commercial insurers would charge for these additions.

No Co-insurance Clause for SCCP&LT. No penalty on claims settlements for under-insured values.

Local service provided by dedicated full-time personnel who specialize in assisting county governments.  The service team of professionals that assist the Trusts are all located in the State of South Carolina where they can provide prompt, responsive service.

SCCP&LT - Additional Liability Insurance Coverage. Individuals sued in Federal Court under 42 USC § 1983 have an additional $4 million in liability coverage (this makes the total coverage limit $5 million for claims filed under this section).

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