About Us

Our Values

Working with our members we deliver tailored, self-managed and excellent risk management solutions by focusing on FIVE key values to drive our business success.

Business and History

Our Business

CivicRisk Mutual is not an insurance company nor agency. It is a self-managed, self-funded company limited owned and operated entirely by members.  CivicRisk Mutual functions solely for the benefit of its members.

CivicRisk Mutual is committed to the development of opportunities that benefit all members and fostering excellence in management, cost-effectiveness in operations and value for money risk management solutions.

CivicRisk Mutual distributes the cost of risk management to its members in the form of an annual contribution.  The contribution for each member is based on a combination of statistics relating to its size and claims history.

These contributions are used for the following purposes:

• Self-insured retention
• Excess insurance
• Policy premiums
• Risk management support
• Claims management & broker services
• Administrative expenses
• Prudential margin
• Professional development & training

Humble Beginnings & Our History at a Glance

Insurance pooling in NSW commenced in the late 1980s as a result of a hard insurance market.  Local government found it extremely difficult, if not impossible, to obtain insurance after a major provider withdrew from the market.  As a result, several councils banded together, pooling their insurance premiums with the aim of covering any public liability losses.

Established in 1988 with six foundation councils from Western Sydney, today CivicRisk Mutual has a wider membership with councils representing the Sydney metropolitan, Illawarra and NSW regional areas.  Our membership is growing with a combined value representing more than 20% of total local government expenditure and 30% of the population of NSW in 2020.

Our Key Drivers

CivicRisk Mutual is driven by an alignment of its vision, mission and strategy to produce a range of member-focused actions that deliver excellent risk management solutions.

Download the 2019/20 Annual Report

Member Testimonials