Sustainable insurance products

We have a number of sustainable products in our insurance and wealth business areas that have been developed in alignment with our commitment to sustainability.

Vehicle Insurance

Hybrid or Electric Vehicle Discount

Drivers who choose to be kind to the environment by driving hybrid or electric vehicles receive an automatic 5% discount on their auto policy premiums.

En-route Auto Program®

The en-route Auto Program® is a usage-based insurance program that uses telematics technology to collect information about driving behaviour, including braking and acceleration, distance travelled, travel time, and environmental impact. Drivers automatically receive a 5 per cent discount for signing up, which can grow to as much as 25 per cent based on driving results. Currently available in Ontario only.

Home Insurance


With our Enviroguard® coverage for either homes or condominiums, you can choose to replace damaged property with more eco-friendly and sustainable products. We will pay an additional 10% of the claim amount up to $50,000 for repair or replacement of your damaged or destroyed property with more environmentally responsible alternatives, such as bamboo floors, ENERGY STAR approved appliances and other earth-conscious options.

The coverage includes:

  • Environmental building materials
  • Sustainable construction
  • Greener architecture
  • Renewable energy
  • Energy efficiency

Envirowise® Discount

Our Envirowise® discount offers a 10% savings for eligible Leadership in Energy and Environmental Design (LEED) certified dwellings through home insurance.

Power Generation

Wind turbines and solar panels are becoming more popular as sustainable methods of generating energy. If you’ve installed either of these, let us know so that we can make sure you have the right coverage to protect your investment. If your energy provider compensates you for the power you generate, we can also provide business interruption coverage of up to $20,000. Contact your Financial Advisor to learn more.

Comprehensive Water

Water-related events like flooding are now the most common type of natural disaster in Canada. Comprehensive Water covers your home against sudden and accidental water damage.

Fire Sprinkler Discount

Fire sprinklers can limit property damage and save lives. They are also less harmful to the environment because they reduce fire damage by up to 97 per cent and water damage by up to 90 per cent. Clients of Co-operators General Insurance Company whose homes are protected by automatic fire sprinkler systems may be eligible for a discount.

Wealth Products

Socially Responsible Investments (SRI)

We provide a range of SRI options for people who want to invest their funds in ways that generate both competitive financial gains and social returns.

Companies are evaluated on social criteria including excellence in environmental management, positive labour practices, human rights, and the avoidance of tobacco, weapons, alcohol or nuclear power as major sources of revenue.

Business insurance

Community Guard®

The Co-operators recognizes and respects the unique challenges facing the volunteer/non-profit sector, and its struggle to find accessible and affordable insurance coverage.

Our Community Guard® solution provides special insurance coverage to volunteer and non-profit organizations, and provides rate stability to assist with the planning and budgeting process.

Co-op Guard®

Having the right insurance and employee benefit programs is important for a co-operative like yours. Count on one of our specially trained financial advisors to tailor a plan to the needs of your co-operative, with rates that won’t stretch your budget.

Co-op Guard® combines all the protection you need in one complete package.

Farm insurance

Solar panel installation insurance

Photovoltaic installations are subject to a number of issues, including weather damage. This insurance is specifically designed to cover solar panels and related equipment on farms. It even covers installations by third parties that are renting rooftops to produce power.


In addition to providing clients with sustainable product choices, we are rethinking repair solutions to reduce waste within our claims operations.

When possible, our claims adjusters work with vendors and clients to find environmentally preferred solutions for home and auto claim repairs, including paintless dent repair for automobiles and products that enable us to repair, rather than replace, vinyl siding on homes.

Through our ReClaim program we donate salvaged property and building materials to ReStores, reducing waste and contributing to Habitat for Humanity building projects across Canada.