Local authorities insurance · Councils and public bodies · 0208 909 2899
Business Insurance Commercial Combined Employers Liability Public Liability Fleet Insurance Cyber Insurance Trade Credit Dental & Medical Professional Services Retail & Hospitality Transport & Logistics Technology & IT Manufacturing & Wholesale Petrol Stations Motor Trade Landlord Insurance Residential Landlord Commercial Landlord Block of Flats Unoccupied Property Landowners Liability Legal Expenses Personal Insurance High Value Home Health Insurance Travel Insurance Life & Critical Illness Total Loss Protection Home Insurance Private Clients Construction Insurance Contractors Combined JCT 6.5.1 Insurance Self-Build Insurance Property Owners Legal Indemnity About Us Our Team Our Insurers Referral Partners Claims Blog Contact Us Book a Call Get a Quote 0208 909 2899

Public bodies need specialist protection

Local authorities face unique risks — from public liability on council-owned land to professional indemnity for planning decisions. We work with insurers who understand the public sector and can provide cover that reflects your statutory obligations and operational complexity.

35 years experience 3,000+ local authorities covered ~94% retention rate

Quick Quote

Get a local authority quote in minutes

We will contact you within 24 hours

Who We Cover

We specialise in public sector insurance

🏛️

Parish & Town Councils

From small parish councils to larger town councils managing community assets and statutory functions. We understand the complexity of councillor responsibilities and residents' expectations.

🏢

District & Borough Councils

District and borough councils with wider operational remits, including planning authority responsibilities, housing management, and waste services. Our programmes reflect this diversity.

🌍

County & Combined Authorities

Large-scale local authorities managing education, social care, highways, and trading standards. We arrange cover for complex multi-service operations and strategic partnerships.

Cover Options

Comprehensive protection for councils

⚖️

Public Liability

Essential cover for injury or damage claims arising from council operations, from leisure facilities to highways maintenance.

📋

Professional Indemnity

Protection for professional services provided by your council—planning decisions, surveying, social care assessments, and legal advice.

👔

Officials Indemnity

Cover for elected members and officers against personal liability claims arising from council decisions and actions.

🏠

Property & Assets

Comprehensive protection for council buildings, equipment, vehicles, and other physical assets against loss or damage.

🚗

Motor Fleet

Tailored programmes for council vehicles, from fleet cars to specialist vehicles used in service delivery.

🛡️

Fidelity Guarantee

Protection against loss caused by dishonest acts of employees, ensuring safeguarding of public funds.

Why Forum

Why choose Forum for local authority insurance

1

Public Sector Specialists

We've worked with local authorities since 1990. We understand your statutory obligations, governance requirements, and operational pressures in ways that generalist brokers simply cannot.

2

Crown Commercial Supplier

We're approved on the Crown Commercial Service framework, recognised for delivering value to the public sector. Our solutions are audited for cost-effectiveness and compliance.

3

Tailored Programmes

No two councils are identical. We design programmes that match your specific risks—whether you're a small parish council or a large county authority with complex operations.

4

Claims Advocacy

When claims happen, we don't just process them—we advocate on your behalf. Our team handles the insurer relationship, ensuring fair treatment and swift resolution.

FAQs

Common questions about council insurance

Local authorities must have public liability insurance to protect against third-party claims. Professional indemnity is essential if you provide professional services. Officials indemnity is strongly recommended to protect elected members. Property, motor, and fidelity insurance are also highly advisable depending on your operations.
Officials Indemnity protects elected members and senior officers against personal liability claims arising from their decisions and actions in their official capacity. This includes allegations of breach of duty, defamation, wrongful dismissal, and discrimination claims.
Yes, Forum is approved on the Crown Commercial Service (CCS) framework for insurance broking. Using approved suppliers provides councils with confidence in procurement compliance, value for money, and contract accountability.
Absolutely. Even small councils hold sensitive data and are targets for cyber attacks. Cyber insurance covers costs associated with data breaches, ransomware attacks, business interruption, and notification obligations under GDPR and other regulations.
Once we receive completed proposal forms, we can typically arrange cover within 5-10 working days. For renewal quotes, we aim to deliver options 6-8 weeks before expiry, giving you time to review and decide.

Get a local authority quote

Complete the form below and we'll provide a tailored insurance proposal within 24 hours.

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier