Municipal Insurance

Frank Cowan Company has helped Canadian municipalities meet their complex insurance needs for more than 90 years. We have the stability and history to support you with a sustainable and trusted insurance program.

What does this mean for you? It means we can provide you with a complete insurance program that is suited to your specific requirements. 

Municipalities are at the heart of our business

Municipal insurance is our prime focus. Over the years we’ve built long-term relationships with communities across the country. Our in-house experts participate in municipal advocacy because we feel like we’re on the same team. Frank Cowan Company stood by Ontario municipalities and helped to seek amendments to the Minimum Maintenance Standards for municipal roads, we're also looking for ways to help with Joint & Several Liability issues. We continually monitor legislation to look for issues that could affect our clients. If we find anything that could have an impact on your community, we will share it with you and help you to plan accordingly.

Policies that cover the full range of risks

With Frank Cowan Company, you receive broad, inclusive policies that help to cover your municipality. Our partnerships with stable, reliable insurers mean we’ll be here for you as your needs change and your municipality grows.

We understand in the importance of best-in-class products and services that make it easier for you to do business with us. Click here for additional coverages available with all of our insurance programs. 

A prevention-based approach

We believe the best way to keep your total insurance costs low is by preventing claims before they happen. As a Frank Cowan Company client, you have unrestricted access to our risk management services—at no extra charge. These include educational sessions, consultation services and on-site inspections. Our experts can analyze your operational policies and procedures, identify exposures and risks in your facilities, and consult with municipal workers on risk management topics.

We also created the Risk Management Centre of Excellence, an online hub full of resources, news items and industry bulletins—all designed to keep you up to date on the latest developments that might affect your risk picture.

To learn more about our Municipal Insurance Program, please contact: 

Jeff Coleman
Industry Leader and VP, Public Entity
Phone: 1-800-265-4000 ext. 55222