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Statewide Mutual

Statewide Mutual offers innovative practices to the management of Local Government insurance to ensure the protection of Members through stable premiums, cost containment and spread of risk.

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As Australia’s largest member owned local government self-insurance pool, we work alongside NSW councils to reduce their exposure to risk and ensure they get the most from our industry leading mutual.

Our services are backed by appointed Scheme Manager JLT Public Sector, part of Marsh & McLennan Companies (MMC) and the premier provider of insurance services to local government in Australia, including insurance broking and advice, claims management services and risk consulting.

Our History

Established in 1993 in response to underwriters withdrawing their support for local government in Public Liability and Professional Indemnity cover, Statewide Mutual has consistently been there for its Member Councils.

Before our mutual model was established, individual councils with poor claims records were being heavily penalised and many had difficulty obtaining cover. They were being insured directly with underwriters or through brokerage firms, a scenario that was particularly volatile. Claims were spiraling out of control and premiums were rising rapidly, while underwriters were declining to provide cover as a result of high claims costs.

We commenced with a membership of 96 councils and have progressively grown to become the leading risk partner for NSW Local Government. Today we proudly have a membership of 115 member councils across NSW.

Our Strength

As Australia’s largest local government self-insurance pool, we deliver substantial benefits to Members. Our considerable buying power permits negotiation of market-leading, long-term reinsurance treaties with underwriters. High coverage limits for comprehensive protection with sustainably low Member contributions are a given.

Our sheer size makes it possible to dictate bespoke wordings for policy agreements. Rather than underwriters determining our conditions, we insist on individual scheme inclusions based on our membership’s collective needs.

The strength of the Mutual and its ability to spread risk safeguards individual Members against financial disaster, while the impacts of multi-million-dollar claims are absorbed when spread among our 115 members.

Our Stability

Members gain from our extensive experience and proven track record of stability. We have a solid 26-year history while other providers have come and gone.

Having a stable risk partner in JLT Public Sector, with an enviable level of Local Government expertise, means Members have access to a ‘whole of risk solution’ covering placement of insurance, risk management programs and claims administration.

The ability for Members to contain costs and build equity highlights the effectiveness of this solution. Sound risk management practices and superior claims handling allow the payment of substantial rebates.

Our Integrity

Statewide Mutual is owned by Members, governed by a Board – comprised of elected Member Council representatives – and managed by JLT Public Sector, the premier provider of insurance services to Local Government in Australia.

In the absence of shareholders, the Board goes to great lengths to ensure the Mutual acts solely in the interest of Members. They keep a close eye on the numbers to ensure financial viability, including maintaining an appropriate solvency margin. All governance activity and decisions are made readily available to all.


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.