Lex Risk Solutions have teamed up with a leading mutual management specialist in Regis Mutual Management to ensure that our clients receive the best possible product and a high quality service.




If there’s one thing we know about, it’s mutuality. Since 2007 we’ve been successfully setting up, managing and growing mutuals under the Regis name.

The type of mutual that Regis Mutual Management creates and manages is an organisation that provides an alternative to conventional insurance cover for its Members.

Our talented team is made up of insurance and mutual specialists who have been managing mutuals for many years. In the management team alone there’s over a hundred years experience in the field and we can stake claim to twelve separate start ups.

We make it our business to spread the word on mutuality.

We are determined to help the mutual market share grow and that’s why we are ICMIF’s preferred choice for establishing new Mutuals in developed countries.

  • Regis is an independent company that develops and manages mutuals.
  • Regis’ clients enjoy the benefits of mutuality without the management overheads.
  • Regis is a leading practitioner in the application of Discretionary and Hybrid mutuals.
  • Regis has offices in the UK (London and the South East) and Australia (Sydney).


A mutual is a company owned and controlled by its members

The type of mutual that Regis creates and manages is an organisation that provides an alternative to conventional insurance cover for its Members.

Its sole purpose is to provide benefits for its members and to meet their needs in terms of price, service and the risks covered.

Typically, a mutual is formed for an organisation whose members share a high degree of similarity in their risk profiles. As a group, these members are able to achieve benefits that they could not obtain individually.

A mutual can provide an attractive alternative to conventional insurance products and services.

Benefits of a Mutual
  • Control is vested in a Board of Directors elected from the membership; hence the members control the mutual to ensure that it operates to their benefit and is always member-focussed
  • Members can expect sympathetic handling of claims
  • In a mutual all surpluses (profits) belong to the members and these surpluses are not subject to corporation tax
  • Protection and service is tailored to members’ specific needs based on the sector they operate in
  • Contributions (premiums) are based on actual claims experience
  • There are no third party shareholders
  • Capital efficiency
  • Insurance premium cycle flattened
  • Mutuals are not subject to Insurance Taxes
  • Complete transparency through ownership and control
  • Mutuals offer members the highest quality service at a competitive price
  • Mutuals are selective in offering membership to groups sharing similar risk profiles with generally good risk management controls and practices
  • Mutuals provide members with cost effective protection solutions that meet their specific needs whilst combining to secure long-term member benefits and member loyalty
For Single Company Mutuals additional benefits of: 
  • Balance sheet flexibility
  • On shore management
  • Capital efficiencies