What We Offer

NLC Mutual provides reinsurance capacity for liability, property and workers’ compensation to its member owners. We work with our members to tailor coverage to address their unique needs. We also build additional resources to enhance our offerings, such as claims management, actuarial services, and an exclusive data warehouse & analytics tool (Mutual Insights, powered by Domo).

Reinsurance Coverages

With built-in profit-sharing mechanisms and sustainable, long-term pricing, NLC Mutual is designed to be your pooling solution on all coverage lines. Our coverage offerings are customizable and flexible to meet the needs of your pool.  Typical coverage lines are outlined below. 

General Liability |  Auto Liability |  Public Officials Liability | Law Enforcement Liability 
Property |  Auto Physical Damage 
Workers’ Compensation | Employer’s Liability


NLC Mutual is designed to be your pooling solution on all coverage lines. Unlike commercial reinsurers, our offerings are customizable and flexible. We work to create the right solutions for our members by constantly evaluating coverage options to meet evolving issues and situations.

Our sustainable, long-term pricing won’t drastically fluctuate with the whims of the market. Reinsurance rate calculations are based on real claim levels and experience, which ensure member pools are not priced out of needed coverage.

Mutual Insights

Through Mutual Insights members access powerful and sophisticated data analytics and visualizations.  

This program—built on the Domo business intelligence platform—offers a proven value-added experience for individual pools as well as the collective membership.   

Domo Tips

To help members get the most out of Mutual Insights, we have developed a collection of videos and resources to help you become more proficient in Domo. This library of tips will continue to grow and so will your skills.

Explore the Domo tips designed just for NLC Mutual members below.

Claims Management

NLC Mutual partners with Northshore for claims management. To ensure operational efficiency regular claim audits are conducted with members. Members also have access to Northshore expertise for consulting on complex claims and settlement strategy. 

First Notice of Loss (FNOL)

First Notice of Loss (FNOL)

File a First Notice of Loss using the forms below.

Actuarial Services

Actuarial Consulting Services help members better handle the complexities of existing and emerging risks. Our dedicated Mutual staff, sometimes in collaboration with NLC-RISC, provide evolving services including:  

Cost Projections

Claims Projections for Emerging Risk Exposures

Actuarial estimates identify emerging exposures. For example, actuaries work with members to model current COVID-19 and PTSD workers’ compensation presumption claims.  

Continuing education

Continuing Education

Mutual staff present on important topics such as reserving, pricing, and capital modeling. Educational sessions are offered through NLC-RISC conferences/webinars, and member Board of Trustees meetings. 

Data Insights

Strategic Risk Management & Data Insights

Mutual provides strategic consulting services to member pools on a variety of topics, such as reviewing pricing methodology, approach to enterprise risk management, and carried reserve level. Additionally, staff brings an actuarial perspective to the reports and visualizations that members develop through the Mutual-sponsored data project in DOMO.  

Captive solutions

Risk Financing & Captive Solutions

Through modeling and quantifying unique risk exposures in a variety of lines of business, Mutual actuary staff can help members optimize their retention, pooling, and commercial purchase of risk.  When applicable, they can also explore creative risk financing solutions to members’ reinsurance needs, such as the formation and restructuring of existing captive structures.

Award & Scholarship

The application deadline for the William F. Fulginiti Legacy Award has passed.

The application deadline for the Donald L. Jones Scholarship for the 2024-2025 academic year has passed.

William F. Fulginiti Legacy Award

To honor Bill Fulginiti’s life and dedication of service, NLC Mutual created an award which recognizes an individual from a current State League or Risk Pool who has demonstrated excellence and made a significant contribution to the public entity field.

Bill was one of the founding members of our Company and served as Chair for over 29 years and as Chair Emeritus until his passing. His commitment to this community far exceeded this Company; he was a mentor to many and an advocate for all State League and Risk Pools.

Donald L. Jones Scholarship

Don Jones served as secretary/treasurer of NLC Mutual since its inception. He retired in December of 1999 as Director of the Center for Member Programs at the National League of Cities.  

This scholarship commemorates Don Jones’s outstanding service to NLC Mutual and state league pooling throughout his career.

Explore our Programs & Services

Enhance your NLC Mutual membership by participating in our member offerings. Contact us to learn more about how our coverages, programs, and services can work for your pool.