Public Entity Insurance

Municipalities, hospitals, airports, nonprofit housing corporations and other public entities have unique and varied insurance needs. At Stewart Morrison Insurance, we’ll make sure your organization is covered.

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Custom Insurance Solutions for the Public Sector

Your community is your focus, and you need a brokerage that understands the complexity of your operations and, more importantly, will create a financially stable insurance solution to ensure you have the right protection. With large asset lists, differing specialty automobile schedules and varied services offered, large numbers among management committees, elected officials and staff (and possibly a large group of volunteers), new builds, and risk management across your operations, your insurance needs to respond to your every need.

As front-line brokers who have years of experience in meeting this need, with boots on the ground in the communities we serve, our experienced staff will ensure you have the program you require and the risk management to support it. Our insurer partners provide asset inspections to establish replacement cost and guidelines to reduce losses, and they will work as your partner to provide you with a well-rounded insurance program that will yield positive claims results.

Our team is also available to offer ongoing insurance expertise for writing RFPs, adjusting firm selection or any other task. Whatever you need, we’re here.

We build custom insurance solutions for a wide range of public entities, such as:

  • Municipalities
  • Hospitals
  • Public Health Units
  • Housing Corporations
  • First Nations
  • Airports
  • Conservation Authorities
  • and more

Our public entity insurance packages give you the right coverage at the best value. Let’s work together to build a custom solution you can count on.

Public Entity Insurance Coverages

Your business is unique, so your insurance should be, too. Here are some of the coverages you may need.

  • General Liability

    Protects your organization, employees and volunteers against claims by others of bodily injury, personal injury or property damage that arise from your activities or operations.

  • Buildings / Property

    Coverage for loss or damage to any buildings or property owned by the entity as a result of fire, wind, water, theft or other unexpected incidents.

  • Non-Owned Auto

    Provides protection where you may be held legally liable when an employee or volunteer is required to drive their personally owned vehicle for business purposes on behalf of your organization.

  • Commercial Auto and Fleet

    Broad and flexible terms of coverage for vehicles owned by your organization for liability and physical damage should a loss or accident occur.

  • Errors and Omissions

    Coverage to protect the organization against claims related to its delivery of professional services and/or advice.

  • Directors and Officers Liability

    Provides organization directors, officers and board members protection from liability exposure resulting from lawsuits and risks associated with managing the organization.

  • Crime

    Coverage for financial loss of money or inventory from employee dishonesty, inside or outside robbery, fraud, or forgery.

  • Cyber Risk

    Designed to provide protection from a data breach or other cyber event by assisting with costs such as recovery of information, network repairs, legal claims, and public relation services.

  • Pollution Liability

    Also referred to as environmental insurance, this provides coverage for loss or damages resulting from unexpected release of pollutants.

  • Facility User Group

    A program that provides access to liability coverage for any individual or group that rents your facility for an activity or event.

  • Airport Liability

    Specialized coverage for airports and aircraft operations, which includes specific coverages such as Aviation General Liability, Premises Liability and Hangarkeepers Liability.

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Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

“We take the worry out of purchasing insurance. Call us: Our business is to protect yours.”

Marlene Morrison Nicholls
President & CEO

Live Your Best, Let Us Do the Rest

We’re here to ensure you’re protected and have insurance options for your business, your home and all that matters to you. Learn more: