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Municipal Insurance

To keep your municipal government strong and respected you need to ensure your town has a strong infrastructure. P.D. Foster Insurance offers municipal Insurance throughout Eastern Canada providing towns, cities and villages with financial protection from risks and liabilities related to municipal infrastructure maintenance.

What is Municipal Insurance?

Your government is responsible for the welfare of your community, and this requires daily operations that come with challenges and risks. Keeping your infrastructure well-maintained can face disruption due to budget and resource challenges, leaving some areas more vulnerable to accidents due to degrading pathways, steps, sidewalks, roadways, highways, parkland and more.

When accidents occur due to poor maintenance, whether it is to vehicles or pedestrians, your municipality is liable for the damages. From slips and falls on unsalted sidewalks to potholes and ruts in major roadways, Municipal Insurance protects you from these liability claims.

Why You Need Municipal Insurance

Municipal Insurance protects your community government from financial challenges brought on by liability claims, as well as scenarios that put your ability to govern effectively at risk. Your job is to look after your community. However, in some cases, issues arise beyond your control.

Budget restraints, weather events and other unexpected challenges can interfere with your ability to keep your municipality safe. As a result, P.D. Foster Insurance offers comprehensive Municipal Insurance coverage to mitigate risks associated with town operations and potential legal claims.

We help you find the right coverage for your needs to provide peace of mind so your government can focus on community well-being, growth and sound finances. We reduce the risk of lost funds so your operating budget remains healthy and you can fulfill your obligations to your community.

What coverage does Municipal Insurance provide?

Municipal Insurance protects your government against claims related to:

  • Property damage
  • Liability
  • Legal defence and settlements

You can also opt for additional coverage for cyber risks such as data breaches that can provide access to confidential information for residents such as property taxes. Legislation monitoring ensures your protection is updated based on changing laws both federal and provincial as they apply to your municipality. Your coverage ensures your assets are secured by covering claims. As a result, your operational budgets remain untouched to avoid interference or disruption of your essential services.

Assessing Risks for Municipalities

P.D. Foster Insurance can also help assess risks unique to your government. When all risks for liability are identified, you can ensure you have enough coverage, so your assets remain protected even in the case of unexpected issues. Our services include:

  • Consultations with municipal workers
  • On-site inspections
  • Analysis of local policies

These steps allow us to identify all risks to help avoid claims that can have a major impact on your assets.

Why Choose P.D. Foster Insurance?

At P.D. Foster Insurance we have been offering specialized insurance services to our customers since 1949. As a family-owned brokerage, we are focused on growing our business for future generations. As a result, we have developed superior customer service practices that offer personalized solutions for your municipal insurance needs. Our team wants your municipality to reach its full potential and will work with you to find solutions that protect your government and in turn your community.

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Our mission is to make insurance accessible & simple. Whether it’s new or old, we’ve got the right coverage for you!

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