About Us

The Local Government Mutual is owned by and operated for the benefit of its members. As a Mutual we don’t have shareholders expecting a return on investment. All Councils that are members of the Local Government Association can apply to join the Mutual.

Our Services

About the Local Government Mutual

The Local Government Mutual is designed by local government, for local government – bringing together the necessary expertise to help you get the most from your risk cover arrangements.

Local Government Mutual’s structure

As a mutual, we don’t have shareholders, our members control how the Mutual is run.

The Local Government Mutual’s operating model is that of a hybrid discretionary mutual, which means:

1.

The Mutual pools the income from its members to cover the cost of low-level expected losses. There is also a layer of insurance to protect against larger, unexpected losses, providing a robust, reliable product.

2.

The Mutual’s Board decides claims on a discretionary basis and can also use its discretion to approve claims that fall outside the terms of a Member’s protection, if it considers this to be appropriate.

The Mutual’s contracts with its members fall within the exemption in regulation 12(4) of the Public Contracts Regulations 2015 as the Mutual is controlled by the Contracting Authorities comprising its membership.

The Local Government Mutual’s Founding Members

Fourteen councils, along with the Local Government Association (LGA), have joined together to establish the new Local Government Mutual, bringing together expertise and best practice to help authorities control their cost of cover.

  • Barnsley
  • Bedford
  • Broadland
  • Bury
  • Charnwood
  • Crawley
  • East Hertfordshire
  • Enfield
  • Gedling
  • Hart
  • Milton Keynes
  • Nuneaton and Bedworth
  • South Kesteven
  • Trafford

Our Board of Directors

Roger Houston

Director

Roger has, for the last 25 years, been directly involved in handling a full range of claims arising from local authority activity or handling the medical aspects of complex trauma and disease.

Roger rapidly rose through the ranks at Zurich Financial Services to become Assistant General Manager and led Zurich Municipal’s claims operation before taking on the Director of Operations role at the NHS Litigation Authority (NHS LA). He then worked in a senior management role at the Medical Defence Union (MDU) and it was in these roles that Roger was convinced of the value of medical insight in the handling of relevant insurance claims.

Roger founded Medical Risk Services Limited (MRSL) fifteen years ago and joins the Mutual to add his extensive public sector experience to the product.

Brian Roberts

Director

Brian is the Finance Commissioner for Northamptonshire County Council, having been director of corporate resources and deputy chief executive at Leicestershire County Council. Brian has worked at a number of councils during his career.

Brian qualified as an accountant in 1980. He is Past President of the Chartered Institute of Public Finance and Accountancy (CIPFA). He was a Member and past president of the Society of County Treasurers and he has also been an LGA core finance adviser and past president of the Association of Local Government Treasurers. Brian is currently a trustee of the Centre for Public Scrutiny.

Ian Rogers

Director

Ian is Chief Actuary (Insurance) and Acting Director of Business Development at the Government Actuary’s Department. As a member of their Executive Committee he provides high-level oversight and strategic support for the department. His role involves engaging with other government departments and the wider public sector to help them manage financial risks.

Ian qualified as a Fellow of the Institute and Faculty of Actuaries in 1998 and has over 20 years’ experience in insurance. Prior to joining the Government Actuary’s Department in 2012 he held senior roles at both Aviva (formerly Norwich Union) and Munich Re.