Our Municipal Program is built on our manuscript policy wordings that have been designed to provide broad coverage to meet the unique exposures of our public entity clients. In addition to some of the program highlights listed below, clients also benefit from our Risk Management Services, Claims Management Services, referral to a Facility Users Group Program provider, and our partnership with the Risk Assist Claims Management System provider.

Municipal Program Highlights

• Municipal Liability with no aggregate limit
• Coverage is provided on an occurrence basis

The following coverages are included to the full policy limits with no aggregate limits:

• Abuse coverage for the entity
• Professional Liability coverage for bodily injury, property damage, and financial loss
• Medical Malpractice (not limited to incidental)
• Professional Liability
• Products Liability
• Coverage applies worldwide
• Errors & Omissions Liability with no aggregate limit
  • Includes Administration of Employee Benefit Plans to full policy limit
• Non-Owned Automobile Liability
• Environmental Liability, not limited to sudden and accidental losses
  • Includes watercraft, sold property and closed landfill sites
• Crime including theft, burglary, robbery and employee infidelity
• Councillors' Accident Insurance
• Firefighters' Accident Insurance
• Conflict of Interest Insurance
• Legal Expense Insurance
• Blanket Property of Every Description coverage
  • replacement cost, including for heritage and historic buildings
  • no co-insurance or margin clauses
  • no statement of values or stated amount clauses
  • Debris removal (including Environmental/Pollution Clean-up) to the policy limit
  • Electronic equipment and Electronic Data Processing (EDP) equipment
  • Equipment Breakdown (Boiler & Machinery) coverage
• Automobile Fleet Insurance
  • Replacement cost (new for old) available per guidelines
• Other liability coverage available as specific circumstances arise, some examples:
  • Garage Automobile Liability
  • Aviation Liability
  • Marina Liability
  • Transit Liability

Contact us to learn more about our Municipal Program.