Our team of experts believes the best approach to risk management is a partnership among the customer, the broker and the insurance company.  We bring years of underwriting experience with municipal, regional and provincial governments to the table.  We are adept in providing innovative solutions, including large self insured retentions and high deductibles.  We offer solid, innovative and customized solutions and services to minimize risk.

We can also draw upon the underwriting strength and loss control expertise of Travelers public sector teams in the United States and the United Kingdom.

Product Description
We provide products and services designed to meet the needs of customers who administer services on behalf of a provincial government, municipal government, school boards or post secondary academic institutions. They will benefit from the expertise of our Public Sector team. In addition to services that are performed or outsourced by governments, we target private enterprises that perform the same function as their public sector counterparts.

• Combined property/general liability packages and deductibles
• Capacity to insure the largest of risks
• Flexibility
• Quick response time
• Risk Control Services
• Specialized claim and claim management services 

Our target customers include:

• Canadian municipalities with populations larger than 100,000
• Provincial & territorial governments
• Cities, towns, villages, rural municipalities, counties, regional and metropolitan municipalities
• Post-secondary academic institutions
• Schools, School boards (public and private)
• Hospital properties
• Public Passenger Transportation: Property and Liability capabilities for our protected Public Entities
• Organizations with a proactive risk management attitude
• Liability-driven business
• Public and private utilities including co-generation plants
• Regional municipalities, cities and towns
• First Nations organizations

Minimum premium $25,000