Insurance for co-operativesThe coverage and services you need to protect and build your co-op

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.

Essential Liability Coverage for financial protection against lawsuits

  • Commercial General Liability
  • Tenants Legal Liability
  • Non-Owned Auto Liability

Specialty Liability Coverage to protect you from claims arising from your actions

Commercial Auto Insurance

  • Physical Damage
  • Third Party Liability
  • Garage Auto Insurance

Property, Loss of Income and Crime Coverage to cover any buildings or other property your co-op owns, and the loss of income while your business is closed due to an insured loss.

Equipment Breakdown Insurance to cover your mechanical equipment when it breaks down, ruptures or cracks

Group Benefits* to insure your most important assets: your employees.

Group RRSPs* to help your employees save for retirement.

Affordable coverage and accessible service

Our specially trained advisors have insurance expertise with the co-operative sector. You’ll have access to advice and help by telephone, online, and through our 24-hour claims emergency hotline.

Maintain your insurability

Co-op Guard® includes free access to our risk management and loss control resources, and knowledgeable staff to help keep your insurance costs down.

Community support

Through The Co-operators Foundation, emerging and expanding co-operatives that meet the eligibility criteria of our Co-operative Development Program or Co-operators Community Funds can apply for funding. Ask us for more information.

Connect with us for specialized coverage for your co-operative

For more information, contact us at

*Group Insurance and RRSP coverage is not available with Co-op Guard® in Quebec.