Insurance Investments Group Claims About us

Coverage for co-operatives, created by a co-operative

Co-op Guard® provides the coverage and services you need to protect and build your co-op. Email us at to learn more.

Co-op Guard logo
Co-op Guard is a customizable suite of insurance options designed to meet the unique needs of Canadian co-operatives, at rates that won’t stretch your budget!

Take advantage of built-in benefits

With us as your partner, you’ll save time and money, and enjoy the simplicity of securing your insurance and financial services through a single carrier. Email us at to learn more.

Flexible coverage

We offer customization and flexibility to accommodate your co-operative’s unique risks and insurance needs. As part of your all-in-one package, you can even secure Directors & Officers (D&O) including Employment Practices Liability, and Blanket Accident coverage.

Automatic savings

Benefit from our free monthly payment plan, which protects your organization from unnecessary fees. You could save the equivalent of 4% to 12% of your annual premium costs!

Expert knowledge

Our specially trained financial representatives understand the co-operative sector, and the unique business models and challenges within it. For more than 75 years, we’ve been protecting co-operatives across the country, with our member organizations representing a variety of sectors, including agriculture, finance, service, retail/consumer, health and labour.

Convenient service

Whether it’s online or by phone, you can get personalized advice and 24-hour claims assistance – when you need it. We’ll resolve your claims quickly, with service backed by our one-of-a-kind Claims Guarantee.

Community support

Need financial support for your co-operative? Through Co-operators Foundation, emerging and expanding co-operatives that meet the eligibility criteria of our Co-operators Community Funds can apply for funding. Ask us for information.

Shared values

Like yours, our decisions are guided by co-operative principles, including the goal of co-operation among co-operatives. We balance the need for profitability with the needs of our member organizations and their communities, taking a long-term view of business and relationships.

Helpful resources

A comprehensive suite of risk-management and loss-prevention resources can help you keep your property safe and your insurance costs down.

Create a customized plan

Based on a thorough needs analysis, we’ll make sure that your organization has the right protection and financial-services support, all in one convenient package.

Essential liability

Protect against lawsuits with:

Specialty liability

Protect against claims with:

Property and Crime

Protect owned buildings, property, money and securities, and fidelity bonds with:

Business Interruption

Protect against lost income if business is halted due to physical loss or damage.

Loss of Income

Equipment Breakdown

Protect against property damage resulting from the sudden and accidental breakdown of insured equipment.

Equipment Breakdown

Cyber Guard

Protect your organization if confidential data is compromised.

Cyber Guard

Group Benefits2

Protect the health of your employees with:

Group Retirement2

Help your employees save for retirement with:

Let’s put Co-op Guard to work for your organization

With the help of a Co-operators financial representative, you’ll get a customized plan, along with the training and support you need to maintain it. Email us at to learn more.

1 Customized for co-operatives.

2 Group Benefits and Group Retirement offerings are not available with Co-op Guard® in Quebec.

Co-op Guard® is a registered trademark of Co-operators General Insurance Company.