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Risk Management

Managing risk is key to the viability of your organization. Having the right insurance and employee benefit programs will contribute to your long term sustainability. Whether your co-op is in operation yet or still emerging, make sure you consider all the possible risks and how to manage them.

“As a co-operative ourselves, we know first-hand that the needs of co-ops are different from those of investor-owned businesses,” said Kathy Bardswick, president and CEO, The               Co-operators. “We strive to be the insurer of choice for the co-operative sector in Canada, and Co-op Guard™ is part of our commitment to supporting the sector.”


Co-op Guard

Co-op Guard™ was launched in 2014 and offers essential insurance coverages and financial services to protect and build co-operatives, including:

  • Commercial Liability (including enhanced Directors’ and Officers’ Liability)
  • Commercial Auto
  • Commercial Property
  • Group Benefits                                                                                                    
  • Group Retirement

A number of specially trained local Co-operators advisors will use a Needs Analysis Tool to advise you of the areas where your organization is facing risk, as well as offering education and risk management advice. Their summary will allow your Board to review and discuss options.

As a Co-op Guard™ client, the advisor remains your risk management consultant, to answer questions in the future as you grow.

Co-op Guard™ provides the right coverage, at a fair price and all within a co-operative-to-co-operative business environment.

Check out the Co-op Guard™ infosheet in the "downloads" section on the right-hand toolbar!

For more information go to or email [requires javascript] to connect with a local advisor.


In partnership with On Co-op, The Co-operators is pleased to provide general Risk Management education through a series of FREE webinars. Join us for a high level outline of the most common coverages needed by small to medium co-operative enterprises!

Webinar 1: Risk Management with Acacio Arruda, licensed Insurance Specialist on Thursday, April 23rd, 2015 from 12:00 - 1:00pm EDT.

View the recorded webinar HERE.





Guide to Co-op Act written in plain, accessible language

Oct 14, 2015 - On Co-op has created a Guide to Ontario’s Co-operative Corporations Act. The Guide explains the details of the Act, and includes advice about the procedures and protocols that define the operations of co-operatives. The Guide also includes a number of…

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On Co-op is a trade association and capacity-building organization that develops, engages, educates and advocates for Ontario's co-op businesses.