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<h2><strong>A true insurance alternative for Canadian Municipalities, built with decades of experience.</strong></h2> <p>Haven Municipal Insurance by Western Financial Group partners with Canada’s most trusted Insurers to provide among the best-inclass coverage, all while giving you three layers of expert care and a future proof roadmap to assist you with long term strategies that mitigate risk.</p>

A true insurance alternative for Canadian Municipalities, built with decades of experience.

Haven Municipal Insurance by Western Financial Group partners with Canada’s most trusted Insurers to provide among the best-inclass coverage, all while giving you three layers of expert care and a future proof roadmap to assist you with long term strategies that mitigate risk.

Get an Insurance Quote Today

Layered best-in-class expertise and around-the-clock claims support for Canadian municipalities

As Canada’s leading insurance broker with over 100 years of experience, our team of municipal insurance experts are here to make sure you have the right coverage at the best price.

     

Over 7,000 5-Star Reviews

Built on a foundation of trust and experience

170+
MUNICIPALITIES
TOWN, CITIES, DISTRICTS
ARE PROTECTED BY WESTERN

$35M
IN FUNDS
REINVESTED BACK INTO COMMUNITIES
THROUGH OUR FOUNDATION
AND OUR GROUP PROGRAMS

2400
EMPLOYEES
COAST-TO-COAST WHO LIVE
AND WORK IN YOUR COMMUNITY

45+
YEARS
OF EXPERIENCE ACTIVELY
PROTECTING MUNICIPALITIES
ACROSS CANADA

Get a no-cost community risk assessment

Call us now at 1-800-665-8990 or fill in the form below. We’ll review your current policy to identify potential vulnerabilities and oversights to ensure you have the right coverage for your municipality at the best possible price.

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By selecting this checkbox, I/we agree to all the terms and conditions and have read and understand the Disclosure and Compensation Statement made available to me by Western Financial Group for the purpose of requesting a quote.

What can Haven Municipal Insurance cover

  • Liability: Coverage for personal injury, tenants’ legal liabilities, public entities management liability, and environmental impairment liability.
  • Property: Protection for assets like buildings and contents and mobile machinery.
  • TPL Auto Insurance Coverage: Flexible thirdparty liability coverage for your communities.
  • Crime: Protects you from financial loss due to theft, vandalism, and other criminal activities.
  • Errors and Omissions: Covers you and your board members relating to any decisions made where someone decides to take legal action against the board.

Retail Store Insurance in Toronto

Retail Store insurance in Toronto

Additional coverage options to tailor your community’s protection.

  • Cybersecurity: Protection against data breaches and cyberattacks, including data recovery and public relations support.
  • Environmental Liability: Covers replacement and clean up for damage caused to your environmental assets.
  • Equipment Breakdown: Coverage for boilers, electrical, pressure valves and much more.
  • Additional Coverage Options: We offer a wide range of additional coverage options like auto and fleet, builders’ risk and business interruption.
  • Property Supplemental Coverages: Provides additional property coverage limits at no additional charge.

Group Insurance Programs - Alternatives for regional and provincial associations

An industry exclusive, best-in-class insurance structure providing long-term rate stability for your members and resources to your association.

How our Protected Self Insurance(PSI) structure provides exclusive benefits to everyone

1

Long-term rate stability for your municipalities thanks to pool paid claims

2

Ensuring your members are never overpaying with an adjustable insurance structure that responds to market conditions

3

Additional resources for your association through an active partnership model

4

92% member satisfaction based on rating across 4 key categories relating to product and experience

Reach out to Drew Woytko, Director of Business Development at drew.woytko@westernfg.ca to see how a Protect Self Insurance structure could work for your association.

We understand the complex, so you don’t have to second guess your coverage

1. Stopping Claims before they happen

Our leading risk management team helps you mitigate future risks by proactively identifying and addressing potential threats to your people and property before they occur to help combat rising insurance rates and save you money.

2. Protecting your complex needs

Specialized municipal experts who categorically understand your unique challenges and coverage needs from aging infrastructure and complex regulations to the rising threat of things like cyberattacks.

3. Having your back when the worst happens

24/7 claims handling teams on standby. When your community needs us most, we’re here to minimize disruption and get you back on your feet by managing the claims process to get you faster payouts.

<h2>Why Western?</h2> <p>With Western, you get access to tailored in-house insurance products and a broad marketplace with over 100 other providers which means that you always get custom coverage at the best possible price. We do all the heavy lifting for you. Unlike many of our broker competitors, we have in-house claims support as well as risk management strategies to identify future threats to your business. All this comes with no strings attached or additional cost to you.</p>

Why Western?

With Western, you get access to tailored in-house insurance products and a broad marketplace with over 100 other providers which means that you always get custom coverage at the best possible price. We do all the heavy lifting for you. Unlike many of our broker competitors, we have in-house claims support as well as risk management strategies to identify future threats to your business. All this comes with no strings attached or additional cost to you.

Learn More About Western

We invest in safe spaces.

When you buy from us, you’re also helping your community. Through our Foundation, we have invested over $9,000,000 in health and social services grants, as well as climate resiliency and infrastructure projects that mitigate the impact of floods and fires in the places you live and do business.

Over 7,000 5-Star Reviews

See what our customers have to say about Western

“Municipal government is very complex and layered with multiple requirements. Western Financial Group provides the guidance and assistance to ensure our facilities are protected at a level we can afford.” - Ivan Bruneau, C.A.O., RM of Victoria

“I’ve had nothing but positive experiences with Western Financial Group. Every time we have questions or need clarification on our policy, their customer service is always topnotch. The staff is incredibly helpful, answering all my questions with patience and clarity.”- Meghan Cuvelier Klassen C.A.O., RM of Killarney-Turtle Mountain

"Thanks to Kristin, our insurance experience has not only been effective but also genuinely pleasant, reinforcing our confidence in Western Financial Group as our insurance provider." – John Visser, C.A.O., RM of St. Francois Xavier

"Their bulk buying provides a very good deal for our members, but they also provide a source of revenue and allows us to run campaigns during provincial elections and use the money to put resources into our advocacy efforts.” - Joe Masi, Former AMM Executive Director

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