Local authority insurance
Community is more than bricks and buildings.
Why choose Zurich Municipal to insure your local authority?
At Zurich, we help protect the things that matter to you.
We work with organisations of all sizes across the UK to find the solution they’re looking for, providing our customers with access to risk management services such as a flood warning system, safeguarding support and resources, at no additional charge.
From helping prevent issues before they arise through risk management systems and in house expertise, to supporting the physical and mental wellbeing of your workforce with access to nurses, counsellors and therapists, we help you protect both your people and the services they deliver.
Learn about how we are putting the customer at the heart of our well-established product approval process.
Expert claims service
With our specialist knowledge, you will be able to control costs and minimise the impact on your community in claims situations.
Insurance coverage tailored for local authorities
We understand the pressure you are under to make your money go further. We can work with you to develop cost effective insurance for your current and future needs.
Personal service from experts
We develop long-term, face-to-face relationships, in order to fully understand your authority and provide tailored cover.
Risk insight, management and control
Our local government sector expertise means we can help you to understand, manage and control existing and emerging risks.
Local government reorganisation hub
Drawing on experience of working closely with local authorities, our dedicated local government reorganisation hub brings together practical information, insights, and guidance to help councils and stakeholders make sense of what is changing, why it is happening, and what it may mean in practice.
Zurich Municipal’s partners in the local government sector
Our close working relationships with organisations including Alarm, Solace and CIPFA mean we are ideally placed to provide risk management and insurance solutions for local authorities:
Serving your community
Choosing Zurich Municipal means choosing a partner that cares about the same things you do. When you work with us, you’re helping create positive change in the communities you support every day. From building skills and opportunities for local people to supporting small businesses and protecting the environment, your partnership with us has real impact.
Safeguarding expertise in the palm of your hand
If your school or local authority has insurance with Zurich Municipal, you can access the Safer Schools ecosystem at no additional cost.
The Safer Schools ecosystem provides credible, relevant and regularly updated safeguarding training and resources from the convenience of a tablet or smartphone. The ecosystem includes a news feed and calendar bespoke to each school, and resources designed to cater for the whole school community, including parents, carers, pupils and teachers.
Get in touch about local authority insurance
We may record or monitor calls for training and quality purposes.
Our product approval process
Download the guide to find out more about our product approval process.
Our insurance product provides a blend of modular package policies and standalone policies for District, Borough, City, County, Unitary, Metropolitan, London Borough Councils, Fire Authorities and organisations which are in the public sector. Customers can select the covers and limits to meet their specific requirements.
The target market is local authorities, public sector owned organisations and local councils within England, Scotland, Wales, Channel Islands and Isle of Man.
The distribution method is direct to customer.
The outcome of the Fair Value Assessment (FVA) conducted on 30th September 2025 in accordance with Zurich’s published FVA methodology confirms that the product provides fair value.