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Home > Insurance > Public Entities Insurance

Public Entities Insurance

Providing specialized insurance programs to municipalities, public administration and community service organizations across Canada.

 

About the Program

With over five decades of experience in providing a specialized and industry leading insurance programs, Western Financial Group Insurance Solutions works in partnership with the Association of Manitoba Municipalities to administer the AMM General Insurance Program.

  

Advantages

LONG-TERM RATE STABILITY

Stability is generated by spreading claims over the entire pool of program participants

COST SAVINGS

Members receive an immediate savings off existing premiums for equivalent coverage

PROGRAM FLEXIBILITY

Member organizations have many different coverage options to choose from

Commercial Insurance 

This industry leading pooled program allows members to gain partial ownership of their program, keeps member premiums much lower than if individual municipalities purchased their own individual coverage, and provide the opportunities for significant returns of premium in low-claiming years. 

Commercial Insurance Public Entities

AMM GENERAL INSURANCE PROGRAM 

Long-Term Rate Stability

Ownership of Premiums

Potential Return of Premiums

Tailored Program – 40 year history

VS

TRADITIONAL INSURANCE MODEL

Unstable Rates

No Potential Return of Premiums

Enhanced Profit for Insurance Companies

The AMM Insurance Program provides municipalities with an insurance program that not only provides superior coverage, but also offer comprehensive risk management strategies.

This industry leading pooled program allows members to gain partial ownership of their program, keeps member premiums much lower than if individual municipalities purchased their own individual coverage, and provide the opportunities for significant returns of premium in low-claiming years. 

COVERAGE

EQUIPMENT BREAKDOWN

Equipment breakdown insurance helps protect you against loss of income or property from a broken piece of equipment.

CRIME

The AMM commercial insurance plans provide coverage from employee dishonesty, credit card forgery and other crimes.

CYBER LIABILITY

Cyber liability coverage helps minimize the impact of a cyber attack with crisis management, credit monitoring and data recovery service options.

Group Health Benefit Solutions

Under the Program, a large portion of premiums are allocated to a member-owned ‘self-insurance’ fund. This fund allows for the unique opportunity to circumvent traditional insurance costs, and provide for returns-of-premium when surpluses are built as a result of low-claiming years. This creates a greater level of program stability. 

Traditional Market Model      VS      AMM Insurance Model

Group Health Benefit Solutions

TRADITIONAL MARKET MODEL

Expense factor = 26 cents per $1

Target Loss Ratio = 75%

No chance for Return of Premium

VS

AMM INSURANCE MODEL

Expense factor = 15 cents per $1

Target Loss Ratio = 85%

Surplus on Claims Returned to AMM Participants

Over $3.6 Million returned over the past 5 years

FEATURES

PAY-DIRECT DRUG/DENTAL CARD

The AMM Employee Benefits Program provides each employee with a pay-direct drug card that covers prescription drugs and professional services electronically at the point of sale

ONLINE CLAIMS SERVICE

24/7 access to your AMM Employee Benefits Program

DEDICATED SERVICE

Each member has a dedicated Employee Benefits Advisor to assist them

Our expert in-house insurance team provides the product and all related services, such as day-to-day administration, analytical support and ongoing service support. The AMM Employee Benefits Program program saves time and money while providing your employees with the coverage they need.

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