Most councils don’t think much about insurance—until something goes wrong.

A lawsuit.

A burst pipe at the arena.

A council meeting where someone asks why the premium jumped 8%.

That’s not the moment anyone wants to discover what their policy does—and doesn’t—cover.

This session takes a clear, practical look at how the insurance market has shifted and what that means specifically for Newfoundland and Labrador municipalities. We’ll walk through the NL Municipal Insurance Program, backed by Northbridge Insurance and delivered locally through Cal LeGrow.

Learn how program membership provides more than coverage—offering stability, advocacy, consistent service, and a collective approach that strengthens municipalities across the province. In a changing insurance market, this session will explore why belonging to a municipally focused program, backed by experienced partners who understand local government, continues to deliver real value for councils and the communities they serve.