Local Government Insurance Trust

What Local Government Insurance Trust does

Local Government Insurance Trust (LGIT) is a non-profit, member-owned self-insurance trust established in 1987 by the Maryland Association of Counties (MACo) and the Maryland Municipal League (MML), and authorized by Maryland state law. Its core function is to provide joint self-insurance pools covering primary liability, property, equipment breakdown ($100M limit), excess liability ($1M-$5M), and environmental impairment liability for Maryland counties, cities, towns, and municipalities. Supporting the five core coverage programs is an ancillary services portfolio that includes cyber liability protection (offered at no premium charge via Beazley/APIP), GatherGuard special events insurance (TULIP), the LGIT Health Cooperative (medical, dental through United Concordia, vision through NVA, post-65 retiree coverage via AmWINS, life/disability options), and law enforcement support tools including the PoliceOne Academy (360+ MPCTC-certified courses via Lexipol/LocalGovU), DART firearms simulator, Employment Law Hotline, and 24/7 Media Crisis Hotline (via Julie Parker Communications).

The technology backbone is the Risk360 Member Portal, a self-service platform enabling members to manage policy changes, file incident reports, track claims, generate certificates of insurance, and submit service requests. Reinsurance is provided by NLC-MIC (property and excess liability pools) and Alliant Insurance (property pool and cyber APIP), enabling the high coverage limits. The organization is governed by a Board of Trustees composed of elected and appointed county and municipal officials, with reinsurance, loss control, training, claims management, and legal defense delivered largely in-house by 101-250 staff based at the Hanover, MD headquarters. Integration partners include CivicPlus (website CMS), Zywave (HR compliance LMS), and Lexipol (training platform).

Revenue mechanics are member contribution-based: Maryland local governments pay annual premiums into the jointly owned pool to cover projected claims and operating expenses, with excess funds potentially returned to members or reinvested in enhanced services. GTM is direct and consultative, leveraging MACo/MML relationships, member services representatives, annual meetings (38th held November 2025), and renewal workshops. Pricing is not publicly disclosed and is tailored to each member's risk profile and coverage selections.

Name

Local Government Insurance Trust

Legal name

Local Government Insurance Trust, MD

Website

https://lgit.org

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

Local Government Insurance Trust (LGIT) is a non-profit, member-owned self-insurance pool founded in 1987 that provides liability, property, equipment breakdown, excess, and environmental coverage, plus health and training services, to Maryland counties, cities, towns, and municipalities.

Ownership category

akta.pro rank

Headquarters

HQ city

Hanover

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Member Premium Contributions: Local government members contribute premiums into a jointly owned fund used to pay for claims, losses, and expenses. Unlike commercial insurance, excess funds may be returned to members.
2. Insurance Coverage Programs: Five major coverage programs: Primary Liability, Property, Equipment Breakdown, Excess Liability, and Environmental Impairment Liability generate revenue through member contributions.
3. Optional Add-on Coverages: Additional coverages including Cyber Liability, GatherGuard (special events), Crime Bond, Drone Coverage, and Flood/Earthquake coverage offered as optional enhancements.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels8 records

Core offering

LGIT is a member-owned self-insurance trust that provides joint self-insurance pools for Maryland counties, cities, towns, and municipalities. Its core offerings include five major coverage programs (Primary Liability, Property, Equipment Breakdown, Excess Liability, and Environmental Impairment Liability), plus optional add-on coverages such as Cyber Liability, GatherGuard special events, Crime Bond, Drone, and Flood/Earthquake coverage. Supporting the insurance pools are in-house claims management, legal defense, loss control services, training programs, an employment law hotline, a media crisis hotline, and the LGIT Health Cooperative offering medical, dental, vision, and ancillary benefits.

Product overview

The Local Government Insurance Trust (LGIT) is a member-owned self-insurance trust authorized by Maryland state law, founded in 1987 by the Maryland Association of Counties (MACo) and Maryland Municipal League (MML). LGIT provides a portfolio of five major coverage programs: Primary Liability Coverage (general, public officials, employment practices, police legal liability, auto), Property Coverage (buildings/contents with flood/earthquake options), Equipment Breakdown Coverage ($100M limit), Excess Liability Coverage ($1M-$5M over primary), and Environmental Impairment Liability Coverage (pollution legal liability and storage tanks). Supporting these core coverage programs are ancillary services including Cyber Liability Protection (offered at no premium), GatherGuard special events insurance (via NLC), the Risk360 Member Portal for policy/claims management, the LGIT Health Cooperative (dental through United Concordia, vision through NVA, post-65 retiree coverage via AmWINS, life/disability via OneAmerica or Madison National), PoliceOne Academy Online Campus (Lexipol Learning partnership), DART firearms simulator training, Employment Law Hotline, Media Crisis Hotline (via JPC), in-person training programs, Academy for Excellence in Local Governance, Loss Control Services/Resource Library, and grant programs (Law Enforcement Memorial Training Grant, Training Grant Program).

Differentiator

Problem solved

Functional benefit

Brands

• LGIT Health: Health insurance cooperative program for Maryland local governments offering medical, dental, and vision coverage through partners including ConnectCare3, United Concordia, and National Vision Administrators.
• GatherGuard

Products and services

• Primary Liability Coverage Primary liability pool covering general liability, public officials legal liability, employment practices legal liability, police legal liability, automobile liability, and automobile physical damage for Maryland local government members.
• Property Coverage Property pool for buildings and contents with optional flood and earth movement coverage; risk is spread via reinsurance from NLC-MIC and Alliant Insurance.
• Equipment Breakdown Coverage Boiler and machinery coverage providing a $100,000,000 limit for mechanical and electrical breakdown of building and structure equipment.
• Excess Liability Coverage Excess coverage over LGIT's primary liability pool with limits ranging from $1,000,000 minimum to $5,000,000 maximum; reinsurance via National League of Cities Mutual Insurance Company.
• Environmental Impairment Liability Coverage Pollution legal liability insurance covering environmental risks for owned/operated facilities, including transportation-related pollution conditions, non-owned disposal site liabilities, and storage tank liability coverage.
• Cyber Liability Protection Cyber liability coverage offered at no premium charge to LGIT members. Covers hacking, data breaches, PII theft, forensics, business interruption, public relations, media liability, libel, slander, cyber extortion, network security liability, and government/PCI fines and penalties. Underwritten through APIP with Beazley resources.
• GatherGuard Tenants' and Users' Liability Insurance Policy (TULIP) for special events on member property. Offered in partnership with the National League of Cities (NLC) to protect local governments and third-party event organizers.
• Risk360 Member Portal Online member portal for policy management, incident reporting, claims filing and tracking, policy document access, and service requests accessed via https://member.lgit.org/lgit/Risk360.
• LGIT Health Cooperative Health insurance cooperative for Maryland local governments offering customizable plan designs, stable monthly costs, and potential refunds, including ConnectCare3 assistance service.
• LGIT Health Dental Program Dental benefits for LGIT Health Cooperative members provided through United Concordia, effective 7/1/2024.
• LGIT Health Vision Program Vision benefits provided through National Vision Administrators (NVA) as part of the LGIT Health Cooperative for member employers in both private and public sectors.
• Post-65 Retiree Health Insurance Voluntary retiree health insurance program for post-65 health insurance needs of LGIT member employees, offered in partnership with AmWINS.
• Universal Life and Long-Term Care Universal Life and Long-Term Care coverage options available to LGIT members through partnership with The Hilb Group.
• Life and Disability Coverage Life and disability coverage for LGIT members with two options: OneAmerica (via Benecon) with 10% rate reduction and 3-year guarantee, or Madison National Life (via NIS) with approximately 20% rate reduction and identity theft recovery services.
• PoliceOne Academy / LGIT Online Campus Law enforcement training platform provided through the Lexipol Learning partnership, offering 360+ MPCTC-certified courses ranging from 5 minutes to 3 hours, including non-credited brief classes.
• Employment Law Hotline HR hotline staffed by employment and HR attorneys for members to consult on employee-related issues.
• Media Crisis Hotline 24/7/365 crisis communications consultation through partnership with Julie Parker Communications (JPC), with initial 30-minute consultation per incident at no cost to law enforcement members.
• Training Programs In-person training programs including Defensive Driving Course (DDC), Reasonable Suspicion, Harassment in the Workplace, Civility in the Workplace, First Amendment Audits, Newly Promoted/Appointed Supervisor, and Managing Conflict in the Workplace.
• Academy for Excellence in Local Governance Voluntary educational program open to Maryland local government public officials, offered in partnership with the University of Maryland's Institute for Philosophy and Public Policy.
• Loss Control Services Risk management services including a physical and digital Loss Control Resource Library offering safety and risk management materials available for checkout to member local governments.

Quantifiable outcome

• Funds remaining after claims and expenses may be returned to members

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

19 partnerships are on record, tiered core and minor.

• National League of Cities (NLC)coreStrategic or Co-development Partner · 1 January 1987NLC Mutual Insurance Company (NLC-MIC) provides reinsurance for LGIT's property pool and excess liability pool, spreading risk and enabling higher coverage limits.
• Alliant InsurancecoreStrategic or Co-development PartnerAlliant provides reinsurance for the property pool and cyber coverage through the Cyber Liability Insurance Program (APIP). Also provides system security standards guidelines for cyber quotes.
• Maryland Association of Counties (MACo)coreStrategic or Co-development PartnerFounding organization that co-created LGIT in 1987 to address insurance challenges faced by Maryland counties during hard insurance market cycles.
• Maryland Municipal League (MML)coreStrategic or Co-development PartnerFounding organization that co-created LGIT in 1987 to address insurance challenges faced by Maryland municipalities during hard insurance market cycles.
• BeazleycoreTechnology or IntegrationCyber insurance carrier providing cyber liability protection for LGIT members. Provides resources including Cyber Action Plan, business interruption guide, and incident response planning tools.
• Hilb GroupminorChannel Partner/ Reseller/ DistributorPartners with LGIT to provide Universal Life and Long-Term Care coverage options to LGIT members through Ryan Blackburn, Director of Enrollment.
• AmWINSminorChannel Partner/ Reseller/ DistributorProvides voluntary retiree health insurance program for post-65 health insurance needs of LGIT member employees.
• United ConcordiaminorChannel Partner/ Reseller/ DistributorDental benefits provider for LGIT Health Cooperative, effective July 1, 2024. Contact: Michele Keplinger.
• National Vision Administrators (NVA)minorChannel Partner/ Reseller/ DistributorVision benefits provider for LGIT Health Cooperative, serving employers in both private and public sectors with cost-effective vision care programs.
• OneAmerica (via Benecon)minorChannel Partner/ Reseller/ DistributorLife and Disability coverage option for LGIT members with 10% rate reduction, 3-year rate guarantee, and includes Employee Assistance Program (EAP).
• Madison National Life (via NIS)minorChannel Partner/ Reseller/ DistributorLife and Disability coverage option with approximately 20% rate reduction off current rates and includes no-cost identity theft recovery services.
• Julie Parker Communications (JPC)minorStrategic or Co-development PartnerProvides 24/7/365 crisis communications consultation and representation to law enforcement members. Initial 30-minute consultation per incident at no cost.
• STA United, Inc.minorImplementation/ SI/ Consulting PartnerFirm specializing in drug and alcohol training that designed LGIT's Reasonable Suspicion seminar, providing video presentation and handbook materials.
• Maryland Police and Correctional Training Commissions (MPCTC)minorStrategic or Co-development PartnerState training body that certifies LGIT's law enforcement training courses for in-service credits. LGIT pays $150 registration fee for member officers to attend EVOC courses.
• US Bureau of Justice AdministrationminorStrategic or Co-development PartnerFederal partnership supporting law enforcement training and resources for LGIT member agencies.
• US Attorney's Office for District of MarylandminorStrategic or Co-development PartnerFederal partnership supporting law enforcement resources and training for LGIT member agencies.
• Maryland Office of Homeland SecurityminorStrategic or Co-development PartnerState partnership supporting law enforcement resources and training for LGIT member agencies.
• Maryland Municipal League Police Executive AssociationminorStrategic or Co-development PartnerLaw enforcement executive association partnership providing networking and professional development for LGIT member police chiefs.
• Maryland Chiefs of Police Association and Maryland Sheriffs OrganizationminorStrategic or Co-development PartnerProfessional law enforcement associations partnering with LGIT for training, resources, and peer networking among member agencies.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Washington Cities Insurance Authority (WCIA): Member-owned municipal insurance pool covering Washington state cities and towns for liability and property. Direct peer because its pool model, member-governance structure, and core line mix mirror LGIT's.
• Michigan Municipal Risk Management Authority (MMRMA): State-level, member-owned self-insurance pool for Michigan municipalities providing liability, property, and auto coverage through pooled contributions — the closest structural and operating analog to LGIT, just in a different state.
• Texas Municipal League Intergovernmental Risk Pool (TML IRP): Intergovernmental risk pool offering property, liability, and workers' compensation coverage to Texas cities. Comparable because it pools municipal risks under a League-affiliated, member-funded structure analogous to LGIT's MACo/MML founding model.
• Florida League of Cities Insurance Programs: Insurance programs offered through the Florida League of Cities providing property, liability, and related coverages to member municipalities. Strong analog to LGIT given the parallel League-backed, state-scoped, member-owned pool structure.
• California Joint Powers Authority public-entity pools (e.g., CSAC-EIA): CSAC Excess Insurance Authority is a joint powers authority pooling risk for California counties and public entities. It is a relevant direct peer to LGIT because of the same pooling/JPA structure and the similar liability/property coverage focus.
• Vermont League of Cities and Towns (VLCT) Insurance Programs: VLCT operates Property/Casualty and Health Insurance Trusts for Vermont municipalities using the same member-owned pooling concept LGIT employs. Strong functional peer in terms of structure and cross-line benefits bundling.
• Massachusetts Interlocal Insurance Association (MIIA): Nonprofit insurance trust serving Massachusetts cities, towns, and governmental entities through pooled risk programs. Comparable because it delivers liability and property coverages under an intergovernmental, member-funded model similar to LGIT.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage with a substantial public-sector and risk-pool practice. Broad incumbent that pursues many of the same municipal accounts as LGIT and competes with pooled alternatives in soft markets.
• Alliant Insurance Services: Large national insurance brokerage and reinsurance partner that works with many public-entity pools. Broad incumbent peer because it competes for the same local-government accounts and currently serves as LGIT's reinsurance partner.

Others

• Public Risk Management Association (PRIMA): National professional association for public-sector risk managers. Related to LGIT as the awarding body for the PRIMA 2026 Achievement Award and as the broader ecosystem in which LGIT competes for member mind share and industry recognition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/local-government-ins-trust

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Local Government Insurance Trust