CivicRisk Mutual is not an insurance company nor agency. It is a self-managed, self-funded mutual owned and operated entirely by members to provide a central co-ordinated range of risk management functions including:- *Reducing insurance costs *Obtaining economies of scale and improved efficiency *Providing a forum for exchange of information, ideas and resources Today, CivicRisk Mutual is a mutual to a number of NSW councils 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:- *Self-insured retention *Excess insurance *Other policy premiums *Claims management and broker services *Administrative expenses *Prudential margin *Professional development & training Working with our members, we deliver tailored, self-managed and excellent risk management solutions to make the business of our members safe and secure.