Membership & Coverage
A Community Built on Expertise and Insight
GEM Member Community
GEM is powered by the collective experience of public entities and deep insurance industry knowledge. Members are drawn to GEM for our specialized understanding of the risk pool market—and for the opportunity to learn from one another’s thought leadership and future-focused vision.
What We Offer
GEM offers a collaborative space where members share insights, tackle common opportunities and challenges, and shape best practices together.
As a member-owned organization, your voice matters. You help shape GEM’s strategic direction, ensuring we stay aligned with your evolving priorities and the demands of a changing marketplace.
As a member-owned organization, your voice matters. You help shape GEM’s strategic direction, ensuring we stay aligned with your evolving priorities and the demands of a changing marketplace.
At GEM, we’re committed to staying innovative, staying relevant—and growing with you.
Member Benefits
Being part of GEM comes with meaningful value.
Our members benefit from more than just reinsurance—they gain a collaborative partnership committed to stability, flexibility, and long-term success.
Our members benefit from more than just reinsurance—they gain a collaborative partnership committed to stability, flexibility, and long-term success.
Tailored Coverage Structures & Capacity
With a strong understanding of both market conditions and each member’s risk appetite, GEM ensures stable capacity and dependable support–even in times of disruption.
Deep Industry Expertise
Our strength comes from a powerful blend of staff experience and member-driven insights—bringing real-world knowledge and future-focused vision to the table.
Strategic, Long-Term Partnerships
We build relationships that go beyond transactions. Our members benefit from strategic alliances focused on sustainable risk management and continuous improvement.
Shared Best Practices
GEM creates a valuable forum for members to share and adopt practical, peer-driven strategies for mitigating risk—grounded in real experience, not just theory.
A True Member Network
Membership means building connections. Connections in a vibrant, responsive network of peers who understand the uniqueness of the pooling industry—so everyone grows stronger together.
Coverage Overview
GEM focuses solely on public entity reinsurance, allowing us to focus on what matters most to pools like yours. We offer customized liability and workers’ compensation solutions that fit your program—not the other way around. As you introduce new coverages for your members, we work alongside your pool to design reinsurance that grows with your goals.
Our Reinsurance Solutions
Our pricing approach is fair, consistent, and transparent.
Eligible members who meet the program’s underwriting criteria receive individualized rates based on their unique claims history and operational environment.
Our reinsurance solutions are designed to align with your Memorandum of Coverage, while keeping claims handling and underwriting authority within the pool.
Eligible members who meet the program’s underwriting criteria receive individualized rates based on their unique claims history and operational environment.
Our reinsurance solutions are designed to align with your Memorandum of Coverage, while keeping claims handling and underwriting authority within the pool.
Liability
Up to $10 million in limits, with flexible structures including quota shares, aggregates, corridor deductibles, and captives.
Workers’ Compensation
Up to $2 million per occurrence, provided on a follow-form, per-occurrence basis in excess of a self-insured retention.
Member Network
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Arizona
California
Colorado
Illinois
Michigan
Missouri
Montana
Nevada
New Hampshire
Ohio
Oklahoma
Oregon
Pennsylvania
Texas
Virginia
Washington
Wisconsin
Wyoming
What Does GEM Provide?
For GEM, our success is rooted in the strength of collaboration. By pooling coverage, resources, and expertise, members gain tailored risk financing solutions, stability, and protection from disruptions in the marketplace.