Municipality and Public Sector Insurance Brokerage – Quebec
STABLE SUSTAINABLE SOLUTIONS
Municipalities are involved in a wide range of activities; as a result, they face many challenges, such as rising operating expenses, a dynamic legal environment, limited funding, as well as concerns about the safety of their employees, their volunteers, and the general public using their facilities.
With such numerous risks and uncertainties, BFL CANADA has the tools to help municipal administrations of all sizes with their insurance and risk management needs. Our approach and in-depth knowledge of the municipal environment enable us to provide our clients with sound advice on a number of topics and to offer a wide range of services, such as:
- Assisting municipal administrations or their representatives in identifying the risks of loss associated with the above challenges and activities
- Recommending appropriate and adequate insurance coverage to provide the best available protection against risks of loss
- Implementing insurance programs requested by clients or their representatives through RFPs
- Offering guidance for clients on claims settlement, whether those claims were self-insured or covered by commercial insurance
- Providing risk control advice to clients or their representatives.
LET'S BUILD A CUSTOM INSURANCE SOLUTION
The municipalities we work with are entrusted with protecting the financial interests of their citizens. At BFL CANADA, we fully understand the nature of this responsibility, which is why we are committed to providing our clients with leading products, high-quality service, and access to national and international insurance markets.
The insurance programs we offer our clients or groups of clients include all the usual insurance lines specific to municipal activities, such as:
Covers all buildings, content, computers, works of art, important files, urban furniture and equipment, contractors’ equipment, etc., belonging to a municipality.
Covers any damage resulting from a disaster caused by machinery in municipal buildings, including certain types of heating, ice cooling systems in arenas, etc.
Covers the theft of money or monetary values on or off the premises or monetary losses resulting from an employee’s dishonest act. It is also possible to subscribe to coverage protecting municipalities against social engineering fraud.
Covers the municipality’s civil liability arising from its normal operations and from which results in an injury, prejudice or damage to a third party.
Covers the liability of the municipality, for alleged pecuniary damage suffered by a third party resulting from a good or bad decision or from the absence of a decision taken by the municipality. This applies, among other things, to decisions concerning zoning, the issuance of permits, etc. This is a coverage specific to a municipality.
Covers all vehicles owned by the municipality or leased by it on a short or long term basis.
Covers against consequences that could be harmful to the environment, particularly following an accident and/or gradual as a result of your municipal activities. This coverage includes the municipality’s activities such as:
Learn more about the Environmental Liability Insurance Program for Environmental Damage
Reimburses legal expenses relating to criminal liability arising from a work accident.
Learn more on criminal liability of organizations
Protects the interests of your municipality and its citizens by offering a complete range of products that suit your activities and your construction projects.
Our comprehensive Municipal Insurance Program includes but is not limited to, the following coverages:
- Commercial General Liability
- Public Officials Errors and Omissions
- Environmental Impairment Liability
- Legal Expense
- Cyber
- Automobile
- Crime
- Property
- Equipment Breakdown
- Municipal Officials Accident, Critical Illness and Out of Province Medical
- Volunteer Accident Facility Users Program
- Special Event Program
Provides risk and insurance solutions to Canadian municipalities. We work with our municipal partners to create risk programs addressing their unique operations and exposures. Our risk program combines insurance policies with targeted risk management/loss control initiatives to proactively manage current exposures, assist in planning for future municipal projects and improve the municipality’s overall risk profile such as:
- Quarterly webinars
- Staff and Council training sessions / workshops / mock trials
- Annual Professional Development and Risk Management Conference
- Contract review
- Procurement, third party vendors and construction projects
- Driver training
- Bulletins providing updates on issues of the day, emerging risks and best risk and claims management practices
- Connecting municipalities with their peers via working groups, creating a forum for discussion, collaboration and presentations from specialists (HR experts, forensic accountants, legal counsel, artificial intelligence engineers, leadership coaches) etc.
Unique to BFL CANADA, our dedicated claims manager is embedded within our Public Sector Team. Our pro-active approach to claims ensures we are able to successfully advocate for our municipal clients with losses managed in an open and transparent manner. Our claims service offering is tailored to your individual needs and can include:
- Quarterly loss runs;
- Claims meetings including your municipal team, BFL CANADA, your adjuster and insurers, as required.
We also offer support for less common activities or needs, such as:
YOUR TEAM OF LOCAL ADVISORS
THE BFL CANADA ADVANTAGE
BFL CANADA has achieved extraordinary growth because of our consistent ability to perform and deliver due to our expertise, professionalism and dedication, as well as our entrepreneurial culture. This culture and work ethic have driven our growth and attracted organizations with which we have established meaningful and mutually beneficial partnerships.
