About | GEM

What is GEM?

Government Entities Mutual Inc. (GEM) is a reinsurance pool owned by its members. It delivers tailored risk financing solutions exclusively for public entity pools nationwide.

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Your Partner for Stability and Protection

From day one, we’ve specialized in serving the pooling sector—it’s not just what we do, it’s all we do. We understand that every member pool is unique and has distinct needs. That’s why we take a personalized approach to support their long-term stability and protect their assets.

Membership in GEM is open to risk pools and captive insurers comprised of public entities.

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Our Mission

At GEM, we deliver both innovation and stability to public entity member pools through long-term partnerships, proven best practices, and specialized risk financing solutions.

Our strength lies not only in the expertise of our dedicated team, but in the collective insight of our members. We harness this shared experience—facilitating it, refining it, and putting it to work. GEM supports our members’ risk financing strategies with:

Custom Liability and Workers’ Compensation Reinsurance Capacity

Shared public entity risk management best practices

Forward-thinking insights to navigate emerging risks with confidence

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Our Members

Testimonials

Our Promise To The Membership

GEM unifies the combined financial and intellectual resources of public entity risk pools in order to safeguard your long-term stability and allow you to control your own destiny.

“Having membership across the country, GEM provides a means to collaborate with the top pools to achieve state of the art risk financing solutions.”

Ann Bennett

Executive Director, Washington Cities Insurance Authority

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"Being a part of GEM made our pool’s reinsurance renewal go a lot more smoothly than it otherwise would have. GEM has been flexible in our liability reinsurance each year they’ve participated, and have gone to bat for us when other partners haven’t."

Ryan Cole

Associate Executive Director, Arizona School Risk Retention Trust

“GEM gives us flexibility in SIRs, quota shares, and other reinsurance structures.  Our conversations with GEM staff help us to determine how best to support these structures.”

Brett Davis

CEO, Park District Risk Management Agency

"Not only is GEM a great strategic partner for CVMIC but is also personally rewarding with the very fine people who comprise your organization and membership. "

Steve Stanczak

Chief Executive Officer, Cities and Villages Mutual Insurance Company

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Annual Report

Explore GEM’s latest milestones and see how our
financial strength continues to grow.