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Local Government Mutual Services (LGMS)

Local Government Mutual Services provide Qld Local Government control over management of legal liability, asset-based risk exposures and workers' compensation liability exposure.

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Local Government Mutual Services (LGMS), incorporates the three self-insurance schemes of Local Government in Queensland; LGM Liability, LGM Assets and LGW Workcare.

The schemes provide a successful vehicle for mutual ownership and control by Local Government of their liability, property and workers compensation exposures, and have ensured cost stability that would not otherwise be achieved. In addition to the broad cover available, each scheme also provides a wide range of risk management resources and assistance to Members. JLT Public Sector as part of Marsh & McLennan Companies (MMC) is the appointed manager of the schemes and is the premier provider of insurance services to Local Government in Australia, including insurance broking and advice, claims management services and risk consulting.

Our Schemes

LGM Liability, LGM Assets and LGW Workcare, provides Queensland Local Government control over the management of legal liability exposures confronting local Government, its asset-based risk exposures, and workers' compensation liability exposure.

JLT Public Sector,as the appointed managers to the schemes, provide a comprehensive range of services and resources as part of membership, including claims management, risk management, insurance placement, and associated fund management and consulting services.

  • LGM Liability: Our purpose is to benefit Queensland Local Government by providing effective and appropriate coverage for the legal liability of Members with the long-term goal of achieving cost stability and minimising the impacts of volatility experienced in the general insurance and financial sectors.
  • LGM Assets: Since 2015, we have provided the vehicle by which Queensland Local Government has been able to collectively exercise control over the management of its asset-based risk exposures.
  • LGW Workcare: Our scheme provides workers' compensation cover to Local Government entities in Queensland and is committed to providing best practice claims and injury management solutions to assist Scheme Members to meet their statutory obligations and contain the cost associated with workplace injury. Our team of experienced claims consultants, injury management specialists and qualified WH&S advisors deliver optimum workers' compensation and WH&S services to members.

The LGMS Member Centre can be accessed here.


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.