Community, Non-Profit & Institutions Insurance
Insurance Solutions for Community-Focused Organizations
Organizations that serve the community have distinct needs when it comes to insurance. From churches and municipalities to non-profits and golf courses, specialized coverage helps protect your property, assets, and operations so you can focus on your mission and the people you serve.
Church Insurance
Places of worship are more than just buildings—they’re community centers, employers, and sometimes homes. Specialized church insurance provides tailored protection to cover these diverse aspects.
Miller Insurance Brokers can help design a policy that fits your congregation’s needs, protecting property, people, and programs while giving you peace of mind.
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When insuring a house of worship, you need to consider it not just as a building, but also as a community centre, an employer, and, in some cases, a religious leader’s home. That’s why specialized church insurance is the best way to ensure financial peace of mind.
A good church insurance policy doesn’t just cover the obvious costs, such as property damage from theft, vandalism, or natural disasters—it also protects against unexpected expenses. For example, it may cover the costs of updating the building to comply with local ordinances when carrying out repairs after an incident.
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Religious Freedom Insurance
Directors and Officers Insurance
Stained Glass Insurance
Church Roof
Church Security
Professional Liability Insurance
Non-owned Auto Insurance
Municipality Insurance
Insuring a municipality requires specialized coverage that considers the wide range of properties, employees, and services involved. From administrative offices to public works facilities, proper insurance ensures that your city or township is protected in all situations.
At Miller Insurance Brokers, we work with municipalities to design insurance programs tailored to their operations. We help ensure your community, employees, and infrastructure are protected so your municipality can focus on serving residents.
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A municipality doesn’t operate like most other businesses. It manages multiple properties, including administrative offices, school buildings, public works equipment depots, and more. The risks associated with each property vary depending on the type of work being done, who is visiting, and the furniture, machinery, and materials present.
If your municipality is responsible for utilities that residents rely on—such as sewer, water, or electricity—there is potential for environmental hazards, contamination, service interruptions, and equipment breakdowns. Specialized coverage that addresses all of these factors is essential.
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General Liability
Property Insurance
Workers’ Compensation
Employment Practices Liability
Cyber Liability
Fleet Insurance
Environmental and Utility Coverage
Non-Profit Insurance
Even though your organization’s mission is to help others, it still operates like a business. Non-profit insurance protects your organization, staff, and volunteers with coverage tailored to your unique operations.
Miller Insurance Brokers can help design a non-profit insurance policy that fits your organization’s size, activities, and budget. We’ll guide you through options to ensure your non-profit is protected while keeping premiums manageable.
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Because non-profits vary in size and type, there are many coverage options available to meet the specific needs of your organization. When building a policy, consider whether your organization interacts with members of the public who may be at risk of injury, such as elderly or disabled individuals. You should also account for any transportation used, particularly if it carries people who aren’t staff. Additionally, your organization could face claims if individuals are harmed or incur costs due to shortcomings in the services or advice you provide.
It’s also important to understand how a non-profit insurance policy distinguishes between the organization itself and the personal liabilities of its directors. If you employ staff, you should also address potential risks such as claims of harassment or discrimination.
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General Liability
Directors & Officers Insurance
Property Insurance
Commercial Auto Insurance
Employment Practices Liability Insurance
Business Income Insurance
Workers' Compensation
Golf Course Insurance
Running a golf course involves more than maintaining greens and fairways. Specialty golf course insurance helps protect your business from property damage, equipment breakdown, liquor liability, and other exposures.
Miller Insurance Brokers can help you design a comprehensive policy tailored to your course’s needs. From clubhouse operations to course maintenance, we make it simple to ensure every aspect of your golf course is properly covered.
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Why your golf course needs the right insurance
Mis-hit golf balls can easily damage property, such as vehicles or equipment, or even injure players or spectators. You also need to consider the equipment and systems that keep the course running, such as sprinkler systems, the risks of pests and diseases that could affect your course, and the potential damage and disruption caused by extreme weather, like fallen trees. It’s important to account not only for the cost of repairs but also for lost income if the course becomes temporarily unplayable. -
Property Coverage
General Liability
Liquor Liability
Golf Carts & Major Maintenance Equipment
Business Interruption Coverage
Valet Parking
Cyber Liability
Directors & Officers Coverage
Pollution Coverage
Flood Insurance
Tee and Green Coverage
Since 1899, our team has proudly supported Southwestern Ontario with reliable coverage and trusted guidance.
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Local service, long-standing relationships, and peace of mind — that’s the Miller Insurance Brokers promise.
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