At Co-operators, we put people first. Guided by co-operative principles for more than 75 years, we’ve been – and continue to be – committed to meeting the needs of Canadian communities, the co-operative sector and their members. Our Member Benefits Program is one of the ways we give back to those who support the co-operative movement.
If you belong to one of our member organizations, you have access to enhanced coverage and exclusive savings on your insurance. Being a member comes with benefits
We work closely with our member organizations to offer a program that meets the needs of their members. Through the program, you can take advantage of:
Auto insurance at a preferred rate, depending on your province. 2
Enhanced Home coverage at preferred rates. For example, get Claims Forgiveness automatically on your eligible Home policy, which means that your first home claim has no impact on your policy or premiums.
Enhanced Farm insurance options with over 30 different types of coverage at a reduced cost. 3
A complimentary Legal Assistance Helpline for Home and Farm policies, providing on-demand, confidential access to a lawyer for guidance with Canadian legal matters, such as contract disputes, employment or business-related issues, property concerns, tax investigations, and more.
Additional Farm and Home savings of up to 5% on eligible policies.
Identity-theft protection for expenses you incur to recover your identity, with no deductible, no impact to your claim-free discount, and at no additional cost.
Discounts on Travel insurance of up to 10% on eligible policies. 4
Enhanced Commercial coverage. This exclusive Commercial Advantage Endorsement provides more than 30 additional coverage extensions and is included for members with property coverage. Keep what matters safe and save for what matters
In addition to exclusive Member Benefit Program coverage and savings, we offer investment solutions and advice to help you reach your financial goals, and Life and health insurance to protect your loved ones and their financial future.
Get to know our member organizations
1 Each member organization selects which benefits are offered to their members. Contact 1-844-770-9138, your local Co-operators financial representative, or your participating member organization, to find out which benefits are available through Co-operators Member Benefits Program. Savings vary based on the eligible policy type, each individual’s insurance profile and are not guaranteed. Discount applies to qualified members of the Member Benefits Program only. Certain conditions, limitations and exclusions may apply.
2 Discounts, coverages and eligibility vary by province. Not all products are available in all provinces. Preferred rates are only available in Ontario, Alberta, Newfoundland, Quebec, and Prince Edward Island.
3 Enhanced Farm insurance is not currently available as part of the Member Benefits Program in Quebec.
4 Travel insurance is underwritten by CUMIS General Insurance Company, a member company of The Co-operators Group Limited, and is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Refer to the certificate for full terms and conditions including limitations and exclusions.
Co-operators ® is a registered trademark of The Co-operators Group Limited. Commercial, Farm, Home and Auto Insurance is underwritten by Co-operators General Insurance Company.
Co-operators General Insurance Company and CUMIS General Insurance Company are committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please visit cooperators.ca/privacy for more information.