Municipal Insurance

Because Your Community Deserves The Best Protection

Western is a nationally recognized, award-winning insurance brokerage dedicated to protecting your municipality with tailored commercial insurance solutions.
We partner with Canada’s top insurers to secure the best quotes and coverage options for your municipality. Let us simplify the process and save you time, so you can focus on serving your community effectively.

What is Municipal Insurance?

The primary purpose of municipal insurance is to protect taxpayers' assets and ensure that municipalities can continue to provide essential services, even in the face of unexpected events or lawsuits.

Municipal insurance is a specialized form of insurance designed to protect municipalities (cities, towns, villages, etc.) from the unique risks and liabilities they face. These governmental entities have a wide range of responsibilities, and therefore, require comprehensive coverage.

Our insurance expertise will benefit your municipality?

With our expertise in municipal insurance, you gain access to tailored coverage that addresses the unique risks your municiaplity faces.

Municipalities are responsible for public infrastructure (roads, sidewalks, parks), public services (fire departments, police), and various other operations. This exposes them to a wide array of potential liabilities. Municipal insurance addresses these unique risks, which might not be covered by standard insurance policies.

Our team understands your needs, offering a range of comprehensive municipal insurance packages, tailored to proactively safeguard your municipality.

What kind of risks does commercial general liability cover?

A significant portion of municipal insurance focuses on liability coverage.

Liability Coverage: This protects municipalities from claims of negligence, such as:

Slip-and-fall accidents on public property.
Damages caused by municipal vehicles.
Lawsuits related to zoning or permitting decisions.

Property Coverage: Municipal insurance also covers damage to municipal property, including:

Public buildings (city halls, libraries).
Infrastructure (bridges, water treatment plants).
Equipment (fire trucks, snowplows).

Other Coverage: Depending on the municipality's needs, coverage may also include:

Cyber liability insurance (to protect against data breaches).
Environmental liability insurance.
Directors and officers liability insurance.

Why choose Western?

We are more than just an insurance provider; we are part of your community. Here’s how we help:

Save Time – We handle the research, comparing the best quotes from top insurers for you.
Expert Advice – Our experienced brokers provide personalized advice tailored to your needs.
Best Value – We ensure you get the best rates, so you can save money on your premiums.

Get a FREE Quote today, and let us find the perfect insurance solution for you!

We are a 100% Canadian-owned company, proudly serving Canadians for over 100 years.

Get a Quote TODAY!