What Enduris does

Enduris Washington is a not-for-profit, member-owned risk sharing pool serving special purpose districts in Washington State. Founded in 1987 as the Washington Governmental Entity Pool (WGEP) and rebranded in 2008, the organization provides liability and property coverage, including core lines such as Property, General Liability, Auto Liability, Employment Practice Liability, and Public Officials Error and Omissions, supplemented by add-on coverages (Cyber Liability, Boiler and Machinery, Crime/Dishonesty, Accident and Health, and specialty lines for marinas, airports, and underground storage tanks). Pricing is set annually per member through credentialed actuarial assessment based on each member's exposures and loss history, with a policy year running September 1 through August 31.

Members engage with Enduris through a direct distribution model with no third-party intermediaries. The technology layer centers on the Origami Risk member portal for policy access, document retrieval, and account changes, complemented by Quick-clicks bite-sized video content, a newsletter library, and a 2,500-square-foot training facility in Spokane. Enduris supplements its core coverage with risk management services including consultation, contract review, training, and a Pre-Defense Program, and has assembled a partner ecosystem with Lexipol (LocalGovU training), Summit Law Group (HR/SHRM training), and MRSC (municipal research services).

Governance is exercised by a seven-member Board of Directors elected by the membership, with the Executive Director (Holly Nelson) serving ex officio. The organization serves over 500 members across every county in Washington State, achieves retention above 98% annually, and grows by 10–15 new members per year. Operating under Washington RCW 48.62 as a state-authorized pool, Enduris combines regulatory authorization, 38+ years of pooled loss data, and diversified specialty coverage to deliver what it describes as competitive and stable rates for entities that struggle to obtain affordable insurance in the open market.

Name

Enduris

Legal name

Enduris Washington

Website

https://enduris.us

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Enduris Washington is a not-for-profit, member-owned risk sharing pool providing liability, property, and specialty insurance coverage to over 500 special purpose districts across Washington State, governed by an elected member board under RCW 48.62.

Ownership category

akta.pro rank

Product category

Public Entity Insurance and Risk Sharing

NAICS

Insurance and Employee Benefit Funds (5251)

akta.pro primary industry

Reinsurance Pool / Facility Treaty Participation (FSAOAEAL)

akta.pro secondary industry

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

Keywords

• Risk sharing pool
• Public entity insurance
• Liability coverage
• Property insurance
• Risk management services

Headquarters

HQ city

Spokane

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Member Contributions: Enduris operates as a not-for-profit, member-owned organization. Each member provides an annual contribution to the pool, which serves as the cost for coverage. Contributions are developed by a credentialed actuary and reflect each member's specific exposures and loss history. The contribution model provides competitive and stable rates while maintaining financial stability for the pool.
2. Specialty Coverage Services: Enduris assists members in obtaining specialty coverage including Marina Owner's Legal Liability, Airport Liability, Underground Storage Tank, Special Events coverage, and increased limits for fire districts' Accident and Health. Fees may be associated with these additional coverage services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Enduris Washington is a member-owned, not-for-profit risk sharing pool that provides property, liability, auto, employment practices, public officials errors and omissions, and cyber liability coverage to Washington State special purpose districts. Members additionally receive claims handling, risk management consultation, contract review, training, and a pre-defense legal program through in-house staff and partner firms. The pool is governed by a Board of Directors elected by the membership and funded through annual actuarial contributions.

Product overview

Enduris is a risk sharing pool for special purpose districts in Washington State, offering a comprehensive portfolio of insurance coverage and risk management services. The core offering consists of the Memorandum of Coverage (MOC) providing Property, General Liability, Auto Liability, Employment Practice Liability, Public Officials Error and Omissions coverage. Additional add-on coverages include Cyber Liability, Auto/Physical Damage, Boiler and Machinery, Crime/Dishonesty, Accident and Health (for fire districts), and specialty coverages like Marina Liability, Airport Liability, and Special Events. Beyond insurance, Enduris provides risk management services including consultation, contract review, training and education, seminars, and a Pre-Defense Program. The organization partners with Local Gov U (Lexipol), Summit Law Group, and MRSC to deliver training content. Members access services through the Origami Risk-based Member Portal and can utilize Enduris's professional training facility in Spokane. Coverage enhancements for PY 2027 include increased Earthquake coverage to $30M, Fiber Optic utility coverage to $1M/$5M, and Upgrade to Green coverage to $10M.

Differentiator

Problem solved

Functional benefit

Products and services

• Property, Liability, and Auto Coverage Pooled property, liability, and auto insurance coverage for Washington State special purpose districts, replacing or supplementing commercial insurance.
• Employment Practices Liability Coverage

Quantifiable outcome

• Member retention rate consistently above 98% each year
• +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

Partnerships

Six partnerships are on record, tiered core and minor.

• MRSC (Municipal Research Services Center)coreStrategic or Co-development PartnerEnduris has partnered with MRSC to provide members access to a full array of services and resources on local government issues including municipal law, public records, open public meetings, budgeting and finance, public administration, public works and utilities, governance, and more. Services include one-to-one consultation with MRSC staff attorneys or professional policy consultants, research tools, timely information through e-newsletters and the MRSC Insight Blog, and training opportunities.
• Summit Law GroupcoreStrategic or Co-development PartnerEnduris has partnered with Summit Law Group to offer exclusive webinar training to members at a significant discount. Summit Law Group's attorneys provide practical, high-quality training on a wide range of employment topics and are a recertification provider through HR Certification Institute (HRCI) and the Society for Human Resource Management (SHRM). Enduris subsidizes an additional 10% of the member cost beyond the discounted pricing.
• Lexipol (LocalGovU)coreStrategic or Co-development PartnerEnduris provides members free access to Lexipol's Local Government University platform as a value-added benefit. The platform offers over 200 risk management courses including Sexual Harassment Prevention, Anti-Harassment in the Workplace, Dealing with Angry Employees, Diversity in the Workplace, and Workplace Bullying. Members can manage their own training platform, assign courses, monitor progress, and issue certificates of completion.
• Origami RiskcoreTechnology or IntegrationEnduris utilizes Origami Risk platform as the member portal system. Members access their Origami Dashboard to view information on policies and schedules, request changes, access policy documents, and utilize additional resources. The platform serves as the primary digital interface for member self-service.
• Provident Insurance AgencyminorChannel Partner/ Reseller/ DistributorEnduris provides Accident and Health benefit for member fire districts through a policy written via Provident Insurance Agency. This supplemental program is provided at no additional cost to Pool members or firefighters. Coverage limit is $25,000 and available to all career and volunteer firefighters as well as the district's other volunteers.
• TravelersminorChannel Partner/ Reseller/ DistributorEnduris provides Identity Theft coverage to members through Travelers Identity Fraud Expense Coverage Master Policy. Coverage is available to members' employees, officers, directors, commissioners, and volunteers, including family members who are residents of the same household.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Others

• Origami Risk: Origami Risk is the technology vendor providing Enduris's member portal and policy management platform. As an infrastructure provider, it is an enabling partner rather than a comparable peer.
• Association of Governmental Risk Pools (AGRiP): AGRiP is the industry association for public entity risk pools, providing governance and operational best practices. It represents the broader ecosystem of risk pools to which Enduris belongs but is not a direct comp.
• Lexipol (via LocalGovU): Lexipol provides risk management policy, training, and content services to public safety and government agencies. As Enduris's content partner, Lexipol is an adjacent ecosystem participant enabling Enduris's risk management service offering.

Direct peers

• Texas Municipal League Intergovernmental Risk Pool (TMLIRP): TMLIRP provides liability, property, and workers' compensation coverage to Texas municipalities and intergovernmental entities through a pooled risk model. Its structure as a self-supporting governmental risk pool is highly analogous to Enduris.
• Public Agency Risk Sharing Authority of California (PARSAC): PARSAC provides excess liability coverage to public agencies in California through a joint powers authority structure. It shares Enduris's mission of providing specialized liability and property coverage to government entities through cooperative pooling.
• Michigan Municipal Risk Management Authority (MMRMA): MMRMA is a member-owned risk pool providing liability and property coverage to Michigan municipalities. It shares Enduris's emphasis on member governance, pooled risk financing, and integrated risk management services for public entities.
• Public Risk Innovation, Solutions and Management (PRISM): PRISM is one of the largest public entity risk pools in the United States, serving California public agencies with liability, property, workers' comp, and employee benefits coverage. Its member-owned pooling model and multi-line coverage approach closely mirror Enduris's structure.
• Alaska Public Entity Insurance (APEI): APEI provides property, liability, and workers' compensation coverage to Alaska public entities through a pooled risk model. It is a representative example of the state-level specialty public entity risk pool category that Enduris competes within.
• Washington Cities Insurance Authority (WCIA): WCIA is a Washington State risk sharing pool serving cities and other municipal entities, providing liability, property, and other coverage. It is the most directly comparable peer to Enduris as both operate state-authorized public entity pools in Washington under a similar cooperative model.

Broad incumbents

• National League of Cities Mutual Insurance (NLC Mutual): NLC Mutual is part of the National League of Cities offerings providing pooled insurance programs for municipal entities across the U.S. It is a broader incumbent serving a similar government customer base but operating at a national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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 Enduris