Construction Cover

The Local Government Mutual provides an alternative to traditional insurance, offering Members choice, flexibility and transparency.

By local government, for local government

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Protecting the local government family

Our Construction cover offers protection including:

  • contract works, either in joint names or you and the contractor
    as required by a Joint Contracts Tribunal or other similar contracts or extensions to your property.
  • contract works and site materials during the duration of your contract.

We understand each local authority is different, therefore the cover is tailored to your individual local authority’s needs.

The Local Government Mutual is designed by local government, for local government. We understand the industry and your pressures. As a Mutual we exist purely for the benefit of our Members – we have no shareholders expecting dividends and we even have the discretion to pay claims that aren’t always covered. That’s what makes us different.

We’ve got you covered


No admin fees.


No cancellation fees.


Fast and easy claims service.


Cover options to suit each authority.