Government Entities Mutual, Inc.
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What is GEM?
Government Entities Mutual Inc., PCC
GEM is a protected cell reinsurance captive domiciled in the District of Columbia. Membership in GEM is available to risk pools or captive insurers comprised of public entities or risk purchasing groups (public entities). Like its underlying members, GEM is exempt from Federal Income Tax, under a private letter ruling issued by the Internal Revenue Service. GEM provides reinsurance coverage to its members for liability and workers' compensation.


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. We accomplish this by supporting your individual risk financing strategies with:

  • Relevant reinsurance products
  • Industry expertise
  • Long-term, strategic relationships
  • Best practices for mitigating risk
  • Collaborative member partnerships

Executive Office: 116 South River Road, Building D, Unit 4, Bedford, NH 03110
Domiciliary Office: 1444 I Street, NW, Suite 950, Washington, DC 20005
ph: 603.223.0321   fax: 202.318.3220
Terms and Conditions
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