Sarnia’s insurance costs could be dropping about $250,000 in 2026.

City council Nov. 17 considers a $1.9-million quote from Marsh Canada.

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A report from assistant city solicitor Randi Kalar notes the bid – $1.81 million without tax – is in part due to a softening market.

The city’s 2025 insurance costs were about $2.06 million without tax, it says.

Sarnia’s insurance rates have been around $2 million since 2021.

They were $1.6 million in 2020.

“The market was rather hard around the years of COVID, so that usually drives premium costs up,” Kalar said.

“In the last few years, staff has taken various steps to consolidate fleet vehicles or increase our deductibles and, along with that, the market has started to soften.”

A low number of claims from the city also h

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