The Co-operators

The Co-operators General Insurance Company

The Co-operators offers extensive lines of home, auto, farm, life, business, and travel insurance.

The Co-operators Group Ltd.
Founded 1945
Headquarters Guelph, Ontario
Employees 4,992 (2017)
Canadian Mkt. Share* 5.99% (2017)
Insurance Products Home, Tenant, Condo, Auto, Life, Business, Farm, & Travel Insurance
* Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Company Overview

The Co-operators was created in 1945 when a group of Saskatchewan farmers teamed up with an insurance co-op to protect the future assets of the community. In Ontario, a similar co-op was created with the help of a local credit union to serve the farming community. By 1975, the two co-ops merged together, and in 1978 the company became known as The Co-operators. The company has grown to nearly 5,000 employees thanks to:

  • A high level of customer service that is part of the company’s culture
  • The ability to offer financial consulting services along with insurance coverage
  • A strong sense of responsibility to its customers that results in a variety of coverage options
  • A reputation for regular support to Canadian community-based organizations and charities

The Co-operators is based in Ontario, but has grown to be one of the largest insurance companies in Canada. It has established extensive networks of experienced underwriters and financial advisors to support all of its business goals, and to strengthen its ability to be a complete financial partner to all of its customers.


The Co-operators Advantages

The Co-operators leverages its community involvement programs and its business structure to attract clients from all walks of life. As a co-operative insurance company, it can offer benefits to its customers that other major insurers cannot. The company believes strongly in its commitment to the communities it serves, and it also believes in offering comprehensive services for every customer’s financial needs. This creates business advantages such as:

  • Accountability – As a co-op, The Co-operators is run by its customers, which the company refers to as members. Business decisions such as premium costs, coverage options, and corporate revenue spending are all determined by member votes. This allows The Co-operators to continually offer low-cost insurance coverage with high quality features. Many people like the idea of being part of an insurance company that is held accountable to its customers.
  • Real Community Benefits – The Co-operators is very active in helping local communities by offering safe driving programs, investing in local health care facilities, and supporting programs designed to encourage young people to prepare for the future. The members determine how the company will use its profits to benefit local communities and support charitable organizations.
  • Commitment to Members – The company offers a variety of financial support programs for its members that can include professional investment advice. The members vote each year on how to best utilize portions of company profits to offer customized coverage to new and existing members. This allocation of funds to develop new coverage options is called the Sustainability Policy, and it is something the members of the The Co-operators take very seriously.

The Co-operators Insurance Products

The Co-operators uses its extensive network of brokers and underwriters to create comprehensive insurance solutions. With its growing financial resources, The Co-operators can offer its members a variety of coverage options.

Home Insurance

Members have access to home insurance designed to protect any type of residential structure with comprehensive liability coverage that insures your home, possessions, and associated structures. The different types of home insurance include:

  • Home
  • Condo
  • Seasonal homes
  • Tenant coverage
  • Mobile homes
  • Cottages

Auto Insurance

In Ontario, The Co-operators will cover your family vehicle and offer financial protection in the event of an accident. Auto coverage from The Co-operators includes:

  • Liability
  • Accident coverage
  • Uninsured motorist
  • Direct Compensation Property Damage coverage that pays for damages in an accident where you are considered only partly responsible

Life Insurance

The Co-operators has life insurance products that can fit your particular needs. Life insurance coverage includes:

  • Term life
  • Permanent life
  • Business life insurance products
  • Critical illness coverage
  • Mortgage protection life insurance

Business Insurance

The Co-operators prides itself on its strong business insurance products that are designed to protect every aspect of your company’s operations. Business insurance includes:

  • Liability coverage for buildings, office equipment, and inventory
  • Equipment failure coverage
  • Revenue protection insurance
  • Commercial liability coverage
  • Crime coverage

Farm Insurance

The Co-operators started out protecting farms and farmers, and that part of its business has grown and developed over the years. The farm insurance coverage includes:

  • On-site structures and dwellings
  • Personal possessions and property
  • Machinery breakdown, damage, or theft protection
  • Livestock, produce, and poultry coverage
  • General liability specifically designed for farmers
  • Pollution liability coverage

Travel Insurance

Whether you are traveling for business or pleasure, The Co-operators has the coverage you need. Travel insurance plans include:

  • Residents of Canada
  • Visitors to any part of Canada
  • International students visiting or living in Canada
  • Expatriates

The Co-operators Group Member Companies

The following companies make up The Co‑operators Group Limited:

  • Co‑operators Financial Services Ltd. — The Canadian holding company that consolidates all of The Co‑operators insurance, brokerage and investment management operations.
  • Co‑operators General Insurance Company — Provides Home, Auto, Farm and Commercial insurance through a network of Canadian advisors and brokers, as well as Life insurance and Wealth Management products for the Co‑operators Life Insurance Company.
  • Co-operators Life Insurance CompanyCo-operators Life (Est. 1945) provides Life insurance, Health insurance, and Wealth Management products.
  • The CUMIS Group LimitedCUMIS (Est. 1937) provides insurance-related products and services to Canadian credit unions, caisses populaires and their members.
  • The Edge Benefits Inc. (Est. 1985) provides disability insurance products for self-employed and small business owners in Canada.
  • Addenda Capital Inc.Addenda (Est. 1996) provides investment and wealth management services to high net worth clients, including insurance companies, investment companies, pension/profit sharing plans, and other organizations.
  • The Sovereign General Insurance Company The Sovereign General (Est. 1953 as Merit Insurance Company) is a Canadian owned and operated property and casualty insurer for commercial and specialty operations.
  • The Premier group of companies Premier (Est. 1990) offers a wide range of specialty commercial and personal insurance in Canada and the US.
  • Federated Agencies Limited Federated (Est. 1946) provides Co-operators clients with wealth management and insurance products that include coverage for aircraft, watercraft, D&O liability, environmental liability and commercial property liability.
  • HB Group Insurance Management Ltd. The HB Group (Est. 1988) provides insurance agents and brokers with Auto and Home insurance products.
  • COSECO Insurance Company The COSECO (Est. 1987) offers Home, Auto, and Travel Insurance through a network of brokers.
Get a Quote Now

Get Your Insurance Quote Today

We have more markets and more choice than any other broker in Ontario. Speak with a broker today: 1-800-731-2228

The Co-operators General Insurance Company
Head Office:
130 Macdonell St., Guelph, Ontario N1H 6P8, Canada
Ontario Claims: 1-877-682-5246

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