Our team

The representatives on our team take pride in helping you get the most out of your policies and financial plans. You can trust us to make sure you have the right coverage and investments to take care of the people and things you care about most. Get personalized service with one-on-one advice and clear answers to your insurance and investment questions. When you choose The Co-operators, you’re choosing a dedicated team that’s on your side, ready to help you make confident financial choices. Connect with us today.

Chris Gavard

Chris Gavard

Financial Advisor*
Mutual Fund Investment Specialist**
Sudbury
Sumaira Malik

Sumaira Malik

Associate Financial Advisor
Sudbury

Sumaira is our newest team member. She is excited to help you with your Auto, Home and Life insurance needs – and find the right products to meet your needs. Sumaira focus on educating her clients about the insurance industry and building personalized plans.

You can reach her by email at sumaira_malik@cooperators.ca or by calling the office. She defines her role this way: "I do not close a sale; I open a long-term relationship."

Sumaira is our newest team member. She is excited to help you with your Auto, Home and Life insurance needs – and find the right products to meet your needs. Sumaira focus on educating her clients about the insurance industry and building personalized plans.

You can reach her by email at sumaira_malik@cooperators.ca or by calling the office. She defines her role this way: "I do not close a sale; I open a long-term relationship."

Jennifer Makela-Kruk

Jennifer Makela-Kruk

Associate Insurance Advisor
Sudbury

Jennifer has been with Co-operators in 1994, beginning first as a Home and Auto agent, before working her way up to a Commercial Specialist role for the past eight years. The excitement of working with business owners and watching them not only grow their business, but succeed at fulfilling their dreams, is one of the main reasons that Jennifer loves working in this line of our business. Jennifer has seen Co-operators undergo many changes throughout her career, but she says the one thing that has stayed the same is how the company always puts clients first. As an employee and a client herself, she trusts Co-operators to protect what matters most to her.

Jennifer has been with Co-operators in 1994, beginning first as a Home and Auto agent, before working her way up to a Commercial Specialist role for the past eight years. The excitement of working with business owners and watching them not only grow their business, but succeed at fulfilling their dreams, is one of the main reasons that Jennifer loves working in this line of our business. Jennifer has seen Co-operators undergo many changes throughout her career, but she says the one thing that has stayed the same is how the company always puts clients first. As an employee and a client herself, she trusts Co-operators to protect what matters most to her.

Kimberly Deguire

Kimberly Deguire

Associate Financial Advisor
Sudbury

Kim began with Co-operators in Sudbury in May 1987. In 2010, she moved to Guelph, but has now found her way back to Sudbury to be closer to her family. Kim's goal is to offer excellent service to all of our clients, and to help review their entire insurance portfolio to make sure they are properly protected. Kim specializes in Life, Critical Illness, Home, Auto and Travel insurance.

Kim began with Co-operators in Sudbury in May 1987. In 2010, she moved to Guelph, but has now found her way back to Sudbury to be closer to her family. Kim's goal is to offer excellent service to all of our clients, and to help review their entire insurance portfolio to make sure they are properly protected. Kim specializes in Life, Critical Illness, Home, Auto and Travel insurance.