The Local Government Insurance Trust (LGIT) provides joint self-insurance programs for towns, cities, and counties in Maryland. It offers coverage for liability, auto, environmental, property, boiler, and machinery risks. LGIT's services include claims management, loss control, underwriting, and member services. The target audience is local government entities. The unique selling proposition is that LGIT is a nonprofit, member-owned organization, offering stable rates and predictable costs regardless of market cycles, with potential for excess funds to be returned to members[1][3][5].