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.
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.
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:
- Commercial General Liability
- Tenants Legal Liability
- Non-owned Automobile Liability
Specialty liability
Protect against claims with:
- Directors & Officers (D&O) and Employment Practices Liability1
- Errors & Omissions (E&O)
- Abuse or Sexual Misconduct Liability
- Blanket Accident insurance
- Umbrella Liability
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.
Equipment Breakdown
Protect against property damage resulting from the sudden and accidental breakdown of insured equipment.
Cyber Guard
Protect your organization if confidential data is compromised.
Group Benefits2
Protect the health of your employees with:
Group Retirement2
Help your employees save for retirement with:
- Expertly managed investment options
- Low minimum contributions
- Retirement education for employees
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.
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.