LGIS

What LGIS does

LGIS is a mutual self-insurance scheme owned and controlled by its members — Western Australian Local Governments — operating across metropolitan, regional, and remote areas of Western Australia. Founded in 1995 in response to widespread dissatisfaction with traditional insurance market offerings, the scheme provides an integrated protection package covering property, civil liability, motor fleet, workers compensation (WorkCare), and bushfire volunteer protection. LGIS is operated by JLT Risk Solutions Pty Ltd (a business of Marsh), which acts as Scheme Manager under ABN 69 009 098 864 AFSL 226827, with headquarters at Level 3, 170 Railway Parade, West Leederville. The organization employs 51-100 staff and reinvests surpluses rather than distributing profit to external shareholders; $60 million has been returned to members through distributions since 2007, while the 2024/25 surplus of $4.35M was retained in capital reserves on actuarial advice.

The core product is the LGIS Scheme, which replaces commercial insurance with a collective risk-financing and risk-management model. Members receive complimentary risk management support spanning people risk, health and wellbeing (with annual funding allocations), injury management, cyber risk (Cyber Uplift Program with ASD Essential Eight alignment), property, organizational, and liability risk management. Supplementary offerings include the Shoulder Shield injury prevention program for parks and gardens workers, the Labour Hire Risk Management Guide (developed with DLA Piper), quarterly Risk Matters Magazine, monthly Healthy Intel newsletter, and peer advisory groups (RMAG and LGSAG). The technology backbone comprises a member portal with Okta-based single sign-on, Qlikview for claims and policy data analytics, and the iRIS platform for renewal declarations and portfolio management.

LGIS is funded through annual member contributions calibrated to each council's risk profile, declared asset values, claims history, and coverage requirements, supplemented by investment returns managed on a 10-year horizon. Scheme operations are governed by a Board of members and supported by Scyne as actuaries, Workfocus Australia for return-to-work rehabilitation, Jackson MacDonald and DLA Piper for legal services, and Royal Life Saving WA for aquatic safety. The scheme holds 100% membership retention at the 2025/26 renewal and processed over 4,700 claims with $61.4M in claims payments during 2024/25, demonstrating scale and operational stability within a single-state, single-vertical mutual structure.

Name

LGIS

Legal name

JLT Risk Solutions Pty Ltd

Website

https://lgiswa.com.au

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

LGIS is a member-owned mutual self-insurance scheme for Western Australian Local Governments, providing property, liability, workers compensation, and bushfire volunteer protection since 1995. Operated by JLT Risk Solutions (Marsh), it serves WA councils with annual contributions, complimentary risk management, and health/wellbeing programs.

Ownership category

akta.pro rank

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Self-Insurance Scheme Contributions: LGIS operates as a member-owned mutual indemnity scheme where WA Local Governments pay contributions to participate in the self-insurance scheme covering property, liability, workers compensation (WorkCare), and bushfire volunteer protection.
2. Investment Returns: The scheme generates income from investments which contribute to operating surpluses. The scheme takes a long-term 10-year horizon approach to investments.
3. Member Distributions: LGIS returns surplus funds to members. The scheme has given back $60 million to members since 2007. The 2024/25 surplus of $4.35M was reinvested into capital reserves to support members.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

LGIS is a self-insurance scheme for Western Australian Local Governments. It provides pooled property, liability, workers compensation (WorkCare), bushfire volunteer, and motor fleet insurance coverage to its member councils. The scheme is owned and controlled by its members and operated by JLT Risk Solutions Pty Ltd (a Marsh business).

Product overview

LGIS is a member-owned self-insurance scheme for Western Australian local governments, operated by JLT Risk Solutions Pty Ltd (part of Marsh). The core offering is the LGIS Scheme providing property protection, civil liability coverage, volunteer fire fighter protection, and WorkCare (workers compensation) coverage. This is supplemented by comprehensive risk management services including people risk management, health and wellbeing programs, injury management, and cyber risk support. The platform operates through a member portal with Okta-based authentication. Key programs include the Cyber Uplift Program, Health and Wellbeing Program with annual funding allocations, Shoulder Shield injury prevention program, and Risk Matters Magazine/Healthy Intel publications. Advisory groups (RMAG and LGSAG) provide peer networking for risk and safety professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• LGIS Property Insurance Property insurance coverage provided through the LGIS self-insurance pool to Western Australian local government members, covering council-owned assets.
• LGIS Liability Insurance Public and general liability insurance coverage offered through the LGIS pool to member Western Australian local governments.
• WorkCare (Workers Compensation) Workers compensation coverage provided to member Western Australian local governments through the LGIS self-insurance scheme.
• LGIS Bushfire Volunteer Insurance Insurance coverage for bushfire volunteers arranged through the LGIS pool for member Western Australian local governments.
• LGIS Motor Fleet Insurance Motor fleet insurance coverage offered through the LGIS pool to member Western Australian local governments.

Quantifiable outcome

• $60 million returned to members since 2007 through distributions
• +2 more outcomes

Named customers4 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

Integration1 record

Feature3 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Financial Counsellors Association of WAminorStrategic or Co-development Partner · 1 January 2026LGIS has partnered with the Financial Counsellors Association of WA in 2026 to provide members with access to financial wellbeing services through the health and wellbeing program.
• ScynecoreImplementation/ SI/ Consulting Partner · 1 January 2025Scheme actuaries providing analysis of claims performance, claims forecasts, and financial requirements to inform capital management decisions.
• DLA PipercoreImplementation/ SI/ Consulting Partner · 1 May 2024Legal partners who collaborated with LGIS to develop the Labour Hire Risk Management Guide providing practical guidance on mitigating risks and ensuring safe and compliant workplaces.
• Royal Life Saving WAcoreStrategic or Co-development Partner · 1 January 2024LGIS partners with Royal Life Saving WA for aquatic safety webinars and risk management support. 29 local government swimming pool assessments were delivered in partnership in 2023/24.
• Healthy by DesignminorStrategic or Co-development Partner · 1 January 2024Health and wellbeing service provider delivering educational workshops and demonstrations on healthy food choices and lifestyle for local government staff.
• Workfocus AustraliaminorImplementation/ SI/ Consulting Partner · 1 January 2024Workplace rehabilitation provider that LGIS refers workers to for return-to-work programs. They contact local governments within 24 hours of referral to draft comprehensive staged RTW programs.
• Jackson MacDonaldminorImplementation/ SI/ Consulting Partner · 1 January 2024Legal partners who assisted LGIS in preparing FAQs on the new Workers Compensation Act changes for members.
• JLT Risk Solutions Pty Ltd (Marsh)coreImplementation/ SI/ Consulting PartnerJLT Risk Solutions Pty Ltd acts as the Scheme Manager of LGISWA. JLT is a business of Marsh and manages the self-insurance scheme under ABN 69 009 098 864 AFSL 226827. JLT operates the website and provides administrative services.
• Department of Fire and Emergency Services (DFES)minorStrategic or Co-development PartnerLGIS provides coverage for volunteer bushfire firefighters under the Bush Fires Act. Members may have MOUs with DFES for collaborative support of volunteers, though local governments retain WHS responsibilities.
• Western Australian Local Government Association (WALGA)minorStrategic or Co-development PartnerLGIS participates in WALGA events including the Local Government Convention, providing risk management support and services to WA local governments.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CivicRisk Mutual: Australian mutual entity providing insurance and risk management services to local government sector. Directly comparable as a member-owned mutual scheme serving Australian councils with similar workers compensation and liability coverage.
• Local Government Insurance Trust (LGIT): US-based self-insurance pool providing property, liability, and workers compensation coverage to local government entities. Directly comparable as a member-owned government insurance pool with similar coverage structure and mutual ownership model.
• Municipal Insurance Partners: Australian insurance provider specializing in local government and council coverage. Comparable in providing specialized insurance products tailored to the risk profile of Australian local government entities.

Regional players

• Statewide Mutual: Mutual insurance provider focused on the New South Wales local government sector. Comparable mutual structure serving local government members with workers compensation and liability coverage, though serving a different Australian state.

Broad incumbents

• JLT (Jardine Lloyd Thompson): Global insurance brokerage and risk management firm that serves as LGIS's Scheme Manager through JLT Risk Solutions Pty Ltd. Comparable in risk management advisory services and insurance broking for public sector clients.
• Marsh: Global insurance broker and risk management firm that owns JLT Risk Solutions, the Scheme Manager of LGIS. Comparable in providing risk management, insurance broking, and consulting services to public sector and government clients globally.
• Aon: Global professional services firm providing risk management, insurance brokerage, and reinsurance solutions. Comparable as a major insurance broker serving public sector and government clients with risk management services.
• Zurich Municipal: UK-based insurance provider specializing in local government and public sector coverage. Comparable in providing property, liability, and motor insurance products to local authorities, though as a commercial insurer rather than a mutual.
• Gallagher Bassett: Global claims management and loss adjusting services provider. Comparable in providing third-party administration, claims handling, and risk management services that could serve government insurance pools.

Others

• WALGA (Western Australian Local Government Association): Peak industry body for WA local governments and partner of LGIS through events and member engagement. Comparable as a key stakeholder in the WA local government ecosystem though focused on advocacy rather than insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LGIS_WA

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 LGIS