About VTLP
The hard insurance market of the 1980s forced Virginia transit agencies to rethink how they protected their operations. Commercial insurers were reducing limits, raising rates, or leaving
the market entirely. Agencies needed reliability — and a partner with the longevity to back it up.
VTLP was formed by public entities who believed they could create a stronger, more stable solution together. That belief has never wavered.
Today, VTLP remains a public entity pool governed by its members. Our Board is composed of transit agency leaders who understand the realities of operating fleets, serving passengers, and managing public budgets. We have never left Virginia. We have never exited the market. Our commitment is long‑term — because our members are our owners.
Shared Risk, Shared Success. Shared Values, Shared Protection.
Membership in VTLP is more than a coverage arrangement. It is ownership.
- Members are owners, not customers
- The Supervisory Board is composed of transit executives
- Surpluses are returned as dividends or retained to strengthen the Pool
- Strategic decisions are made collaboratively
Transit agencies share insight, challenges, and best practices to help each other remain strong and sustainable. This collaboration is one of our greatest strengths — and one of the most enduring arguments for the self‑insurance model.
