Local Government Mutual Services (LGMS) incorporates the 3 self-insurance schemes of Local Government in Queensland â LGM Liability, LGM Assets and LGW Workcare. The schemes have proven a successful vehicle for mutual ownership and control by Local Government of their liability, property and workers compensation exposures, and have ensured cost stability that would not otherwise be achievable. In addition to the broad cover available, each scheme provides a wide range of risk management resources and assistance to Members.