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 external 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:


The Mutual pools the contributions from its members to cover the cost of low-level expected losses. Insurance is arranged to protect against larger, unexpected losses and accumulations of losses.


The Mutual’s Board has the discretion to pay claims which are, in practice, settled in accordance with the protection wording. In exercising its discretion the Board can 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