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JMAPP - JLT (Municipal Asset Protection Plan) Discretionary Trust Arrangement

The JMAPP is an innovative alternative to the traditional property insurance placement. JLT proudly acts as the Manager of the JMAPP mutual on behalf of its Members.

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As a member of JMAPP, we work with you to help ensure you continue delivering the highest standards of integrity and service to your community. Through delivering the bonds of loyalty, trust and responsibility with a shared vision, together, we deliver the long-term protection of Local Government, providing value that is long-lasting and sustainable.

The fundamental purpose of JMAPP is to maximise the cost saving benefits to its Members.

The trust which comprises over 60 Victorian Local Government Corporations is designed for property damage type claims. JMAPP combines the elements of a Discretionary Trust with conventional property damage/ business interruption insurance.

The success of JMAPP trust is driven by the combined buying power and risk sharing of Victorian and Tasmanian Local Government corporations who support the program.

The benefits of JMAPP include:

  • Claims paid on a discretionary basis 
  • Competitive and stable pricing 
  • Security and long-term stability 
  • Equity and rebates through unique discretionary trusts 
  • Stable and trusted reinsurance partners that have stood the test of time 
  • Return of surplus rebates and interest disbursements to members, meaning profits go to members, not insurers 
  • Sector-specific member services 
  • Capped financial trust with no additional calls on members

Since its inception in 1998, JMAPP has continued to grow and operate successfully. JMAPP has consistently demonstrated that it can deliver financial benefits to its Members and achieve its objective of ensuring protection through stable contributions, cost containment and spread of risk.

The fund was developed at the time when individual Councils with poor claims records were being heavily penalised and many had difficulty obtaining protection. With Councils operating within a limited revenue stream, large claim payments were becoming increasingly difficult to budget for.

The ongoing support from Members is reflective of Local Government joining together to achieve results for the benefit of the communities for which they serve.

In Australia, Local Government Mutual Schemes and Joint Discretionary Trusts have a proven record of delivering sustainably low contributions even in the face of adverse claims outcomes. Such is the benefit of insulation provided by the size of membership. Purchasing power allows the Mutual Schemes and Funds access to the broadest possible protection and competitive prices. The JMAPP trust is extensive and robust, and it provides the utmost security to Councils and their communities.

Claims and Risk Services

Claims and risk management is important to Local Governments as there are a number of stakeholders including council members, constituents, suppliers and employees. JLT recognises the importance of each and provides services to support Councils in managing these.

Councils are able to access these services either through JMAPP or through a separate service offering.


Claims management is a crucial and key element of our service. JLT has unrivalled experience to ensure the most beneficial insurance claim settlement is achieved. We can use the discretionary benefit to pay claims in the best interest of our members .Our claims are managed locally from end-to-end by skilled and experienced personnel with significant expertise in public sector claims, who work staunchly in our members best interest at all times.


JLT provides a number of risk services to our clients. These range from risk profiling through to specialised programmes such as environmental analysis. We also have specific programmes Members of JMAPP can automatically access including risk management and education services.

The following value-added services are included in the membership:

  • Property Audits
  • Workshops
  • A range of Nominated Risk Services
  • Inspections
  • Presentation forums and seminars
  • Risk Help Desk

JMAPP Committee

The JMAPP Advisory Committee represents the various state regions of participating Council Members who own the property trust.

The role of the Committee is to advocate for the Fund and its members, and helps ensure the Fund delivers viable and protective strategies aimed at reducing the contribution costs and risks associated with local government assets.

For more information about the Committee, please contact your Client Service Manager.


JMAPP strongly supports continuous improvement in Local Government through sponsorship of LG Professionals. The events and activities JMAPP sponsors assists council employees to build sector wide skills and knowledge, ultimately improving the risk profile of councils.


JLT Public Sector is a division of JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is part of the Marsh group of companies.

JLT Public Sector is a division of JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) and is a business of Marsh McLennan. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from JLT Public Sector on request.