Our Municipalities Program offers protection for the individual, protection against liability, and protection of assets, along with additional benefits listed below.

Protection for the Individual Includes:

• Council members' accident
• Council members' conflict of interest
• Firefighters' accident
• Legal expense
• A broad definition of "insured" on all policies

Protection Against Liability Includes:

• Municipal liability
• Errors and Omissions liability
• Environmental Impairment liability which is not limited to sudden and accidental losses
• Fleet and Transit Automobile liability
• Non-Owned Automobile liability
• Garage Automobile liability
• Aviation liability
• Special liability policies as specific circumstances arise

Protection of Assets Includes:

• All Risk, replacement cost coverage for property of every description
• Electronic equipment and Electronic Data Processing (EDP) equipment
• Boiler and machinery
• Automobile physical damage
• Crime including theft, burglary, robbery, and employee fidelity

Additional Benefits

To deliver even greater value to you, we're pleased to offer the following as part of our program:

• Comprehensive policy wordings specific to public entities
• High limits of liability
• Choice of deductible and self-insurance level
• Elimination of overlapping coverages
• Flexible service delivery
• Continuous development and enhancement of specific municipal insurance products

Contact us to learn more about our Municipalities program.