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Logo of the Co-operative Housing Federation of Canada (CHF Canada), featuring a stylized blue house icon and organization name in blue text on a light background, reflecting its commitment to co-operative housing. Logo of the Co-operative Housing Federation of Canada (CHF Canada), featuring a stylized blue house icon and organization name in blue text on a light background, reflecting its commitment to co-operative housing.
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Membership

2025 Commercial Insurance Program Renewal

CHF Canada and Co-operators have a successful partnership of more than 40 years delivering commercial insurance to CHF Canada members.

CHF Canada and Co-operators have a successful partnership of more than 40 years delivering commercial insurance to CHF Canada members.
A brick pathway lined with plants and bushes leads between two brick residential buildings, showcasing the inviting atmosphere of co-operative housing on a bright day.

2025 Premium Changes

CHF Canada members enjoy competitive, group-rated insurance, which saves money without losing coverage. This means co-ops can manage their insurance budgets effectively.

Each year, CHF Canada and Co-operators complete an in-depth review of the program claims and future impacts of climate change to set the required premiums for the program.

The 2025 renewal has been impacted by large fire claims, increasing water damage losses, and the impact of severe weather from wind, hail, and flooding. The annual premiums co-ops pay are based on adjustments by region, individual loss experience, and participation in the CHF Canada Risk Management Program.

Our Focus is On

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.

Keeping insurance affordable and offering great value for coverage to CHF Canada members.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.

Maintaining insurance coverage that meets the needs of housing co-ops.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.

Embedding at no extra cost a risk management program to help co-ops reduce their risks which make communities safer, avoid costly claims and premium hikes.

A blue checkmark inside a wavy-edged circle, resembling a verification or approval badge often seen in Co-operative Housing communities or organizations like CHF Canada.

Co-ops’ annual commercial insurance renewal and update.

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Participate in the Risk Management Program and Save

In collaboration with Co-operators offers a Risk Management Program designed to help co-ops reduce risks on their properties. Fewer claims mean lower insurance costs for everyone.

Co-ops in the Risk Management Program receive a discount on their insurance rates at renewal. While the deadline to receive the 2025 discount has passed, you can still join and receive a discount in 2026.

Learn More

To find your co-op’s 2025 renewal premiums, speak to your Co-operators advisor or your Commercial Account Consultant.