The Local Authority Protection Programme Disaster Fund (LAPP) is a cash accumulation mutual pool. Civic Assurance is the Fund's Administration Manager.

The LAPP Fund was established in 1993, to help its New Zealand local authority members pay their share of infrastructure replacement costs for water, sewage and other uninsurable essential services damaged by natural disaster.

Since 1991, central and local government has shared responsibility for these costs. Beyond a threshold, central government will pay 60% of the restoration costs, leaving local authorities 40%.

Of the 85 local authorities in New Zealand, 59 are currently Fund members.

Fund equity is approximately NZ$40 million, supplemented with reinsurance to enhance this balance.