In 1990,  a group of Gloucester, Salem and Cumberland Counties municipalities conducted a feasibility study to determine if they could create a regional pool to more cost effectively provide fire, liability, auto and workers’ compensation coverage.

After weighing both the short term benefit of immediate savings with the long term objectives of cost stabilization, nine (9) municipalities chartered the Gloucester, Salem, Cumberland Counties Municipal Joint Insurance Fund (TRICO JIF).

The nine charter members of the Fund were :

East Greenwich Township Mantua Township
Fairfield Township Pitman Borough
Glassboro Borough South Harrison Township
Greenwich Township Swedesboro Borough
Harrison Township


Today the Gloucester, Salem, Cumberland Counties Municipal Joint Insurance Fund stands as a successful example of what local government can do to provide solutions to complex problems.  We wish to thank the Mayors, elected officials and municipal officers and administrators for the cooperation given to the initial study.  We also thank you for your support in initially forming the Gloucester, Salem, Cumberland Counties Municipal Joint Insurance Fund.

Various township and borough elected officials, administrators, managers, clerks, risk management consultants, and safety representatives are to be congratulated for the fine job they have done year round; attending the Executive Committee and various sub-committee meetings and for their careful review and deliberate consideration of the kinds of risks and exposures to loss which come to their attention throughout the year.

Schedule a Concept Presentation and find out what makes us the first choice among New Jersey municipalities when it comes to choosing an insurance program!

Paul Forlenza,  Executive Director
P: (856) 446-9135

Kamini Patel, Pooling Administrator
P: (856) 446-9112

Megan Matro, Client Marketing Specialist
P: (856) 446-9141

What’s a JIF?

Joint Insurance Funds (JIFs) are simply a form of shared services for New Jersey Public Entities that enables them to pool their resources to insure for property, liability, and workers compensation coverage. They also wisely budget for professional contracts that deliver an extraordinary level of service.

When the JIFs were formed, municipalities were facing uncertainty with respect to their insurance programs. Scarred by the hard market of the 1980s, they had scaled back insurance coverage and purchased necessary protection at rates they could ill afford.  These conditions, coupled with the fact that they received little to no loss control or risk management services from their insurance company, led to even higher premiums as loss prevention, claims management, and risk management techniques were not offered. Municipal officials realized that something had to change and they took matters into their own hands.

Enter the Joint Insurance Funds! As the JIF concept took hold, member towns appointed safety and claims coordinators, received instruction in these all-important areas, and participated in training programs for employees, Managerial and Supervisory seminars as well as Elected Officials seminars to emphasize the need to prevent and manage claims when they occur.  In the area of workers compensation, we have introduced an innovative managed care program that places nurse case managers alongside claims adjusters to direct better outcomes for employees who have been injured on the job.

The results have been outstanding! The JIF has established  itself as the premier risk transfer vehicle for municipal government and has returned millions of dollars in dividends to our members.  Currently, the JIF stands as the most successful example of inter-local cooperation in the history of the State.

Today, municipalities face budget cutbacks that demand efficiency and cost savings. In recognition of these tough economic times, the JIF continues to introduce initiatives to control the cost of risk for its member municipalities.

We’ve come a long way in the past 25 years but now is no time to rest on our laurels. The challenges we face today must be met with the same determination and dedication that has brought us the success we currently enjoy!