TRUCE + TRIDENT Public Risk Solutions

Protecting the people who protect us

Police, fire, EMS, transit, schools, and public works operate some of the highest-risk vehicles on the road. AI video telematics can reduce crashes, claims, and premiums, but legacy systems are expensive and don’t automatically address the riskiest behavior, device-distracted driving.

The TRUCE and TRIDENT partnership changes that. Built for employees first and powered by iOS and/or aOS devices, TRUCE delivers proven risk reduction at roughly half the cost of legacy systems and automatically eliminates device-distracted driving.

The result: fewer crashes, fewer claims, lower risk, and safer communities, all within budget.

The insurer was built for the agencies that never clock out

Trident Public Risk Solutions is a public-sector insurance and risk management specialist with more than 30 years in the space and over 2,000 public entity clients nationwide. A member of Paragon Insurance Holdings, Trident pairs proprietary policy forms and in-house underwriting and claims with a dedicated risk control practice that goes well beyond placing a policy. That focus on reducing loss before it happens is where TRUCE comes in.

Two organizations that understand what's actually at stake

Public sector fleets are operating in the toughest commercial auto market in a generation. Premiums have climbed for 24 consecutive quarters, and law enforcement and transportation claims are the leading drivers of rising public entity liability costs. TRUCE and Trident Risk are working together to give cities, counties, schools, and public agencies a clearer path forward: pair specialized risk advisory with the only connected vehicle platform that engineers device distraction out of the workday, so employees stay focused and fleets become more insurable.

Public Sector Auto At-A-Glance

  • 7.5% rate increase in Q4 2025, marking the 24th consecutive quarter of commercial auto rate increases (Council of Insurance Agents & Brokers)
  • Law enforcement and transportation claims are the leading drivers of public entity liability costs (Amwins Public Entity State of the Market, Q3 2025)
  • 23% of U.S. nuclear verdicts involve auto cases, with a median award of $21M (U.S. Chamber Institute for Legal Reform)
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Responsiveness is what delivers great service. Unnecessary device distraction is what puts them at risk.

Everything your fleet needs to stay mission-ready and road-safe

TRUCE and Trident Risk give public entities a better answer than rate increases and reduced capacity — combining public sector risk advisory with connected vehicle technology that helps reduce claims, protect employees, and strengthen underwriting conversations.

Risk advisory that understands public entities

Trident helps cities, counties, schools, and agencies present a more defensible risk profile to underwriters.

Connected technology that reduces distraction

TRUCE engineers device distraction out of the vehicle, paired with telematics, scoring, coaching, and AI video.

Year-round risk management

Together, TRUCE and Trident help turn fleet risk from a renewal-cycle challenge into an ongoing program with measurable outcomes.

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Build a higher-performing, safer public sector fleet.

Public agencies did not create unsafe mobile teams. Mobile devices created a responsive workforce that pulls attention away from the road thousands of times a year. Together, TRUCE and Trident help protect personnel, reduce exposure, and support safer operations without slowing the mission down.

Ready to see what this looks like for your agency?

Schedule a Public Driver Safety & Readiness briefing with TRUCE and TRIDENT Risk. We will walk through your fleet profile, your current exposure, the underwriting story we can help you build and receive Trident discounted pricing.