In 1986, six state league-sponsored risk pools designed a member-owned captive reinsurance organization to meet turbulent market challenges. NLC Mutual Insurance Company (NLC Mutual) was founded to provide a stable reinsurance answer for public entities with the assistance of the National League of Cities (NLC). Today, NLC Mutual is a dynamic pool of pools, a member-powered collaborative community comprised of 28 state league-sponsored risk pools, which provide insurance coverage for thousands of cities, towns, and villages in the United States. Through Board representation every member can influence the direction of the organization to ensure our common mission. We understand the unique needs of public entity risk pools. Our staff has strong underwriting and actuarial expertise, and this knowledge allows us to price for the risk we assume, rather than a cyclical hard or soft market pricing. We support reinsurance coverage for liability, property, and workers’ compensation as well as additional specialty coverages and services.