Logo - CHF Canada

Risk Management Program

Risk Management Program

Important note regarding COVID-19:

During social distancing no one should enter members’ units to complete Risk Management Checklists.  CHF Canada and The Co-operators are discussing the checklist deadline to receive a credit on next year’s premium – we will inform you of any changes. In the meantime, co-ops may wish to request members complete the checklists themselves for their own units using this checklist page.

COVID-19 and Risk Management: What you can do to help keep your co-op safe

CHF Canada, and our partners, The Co-operators, want co-op homes to be safe. That’s why we’ve collaborated on a Risk Management Program to help you identify and fix risks at your co-op.


Our 2021 checklist is ready! We encourage you to complete it, whether or not you participated in the Risk Management program in past years.

Please fill out one Risk Management Checklist for each unit in your co-op. We’ll work with you to start fixing the hidden risks in your co-op homes.

The Co-operators and CHF Canada have the expertise to help you every step of the way. We are committed to making our co-ops safer and helping keep your insurance affordable.

Please complete and return the checklists as soon as you can, as they are a valuable tool to reduce your claims and identify risks in your housing co-op that could lead to a claim.

Important Documents & Links:

Here’s what you need to know:

Annual risk management—why are we repeating questions?

An annual risk management inspection is at the very heart of any risk management program designed to reduce risks and keep communities safer. It’s very important to check your homes for potential risks even if you checked the same things last year.

The checklists we have sent out previously cover areas in and around the home where most risks and insurance claims occur. We have now combined the most important questions from the past two years into one shorter checklist that will help you identify any risks leading to claims that may have happened over the last year.

Why a risk management program?

To make sure your co-op’s members are safe! Checking for these risks in and around the co-op units and fixing them could help prevent injuries and property damage. The Co-operators will also continue their regular inspections of the common areas to help prevent claims.

Preventing risks helps lower insurance premiums for everyone in the program. With fewer claims, everyone in the program saves money.

And, if you don’t find and fix the risks in your units, it could impact your insurance coverage.

How does this benefit your co-op?

Your members will be safer when they become aware of the common risks around their units and fix them.

Safer units could result in fewer and smaller claims. This could bring down your co-op’s premium.

Important note: You can save money on your renewal premium by sending in your completed checklists to CHF Canada. Co-ops that complete the 2021 checklist, address any problems identified and send it in by August 30, 2021 will see an added credit to their Qualifier status, which lowers their premium while keeping the co-op safer. Participating in our risk management program and returning your completed checklists will go a long way toward that Gold status and saving your co op money!

What does your co-op need to do?

Please complete one checklist per unit and return the completed checklists to CHF Canada. You will need to return completed checklists for at least 85% of the units and address any safety issues to qualify for the added credit.

Educating members to keep them safe

Education is key! We have attached information on the common risks found on the checklist to help raise awareness and prevent claims. Please give a copy to each member. This is for their review and should not be returned to CHF Canada. Only a completed checklist for each unit should be returned.

How could this impact your insurance coverage?

There are many places in a co-op where risk of injury or accidents can occur. Our job is to work with your co-op to help identify and fix the risks in the units before they become serious.

Owen Carnahan, our new Insurance and Risk Management Co-ordinator, will review the checklists and talk to you about what he finds. He will work with you to develop a plan to fix the risks and keep the co-op safe.

The Co-operators wants to support your risk management efforts and will not restrict your coverage or increase your premiums because of anything brought to light by these checklists, as long as your co-op is working towards fixing the problem.

An expanded Risk Management Program

Throughout 2021, CHF Canada and The Co-operators will be working to improve and expand the Risk Management Program to help members reduce risks even more in their co-ops and keep members even safer.

Stay tuned for details coming next year!

We’re here to help

CHF Canada has a new Co-ordinator, Insurance and Risk Management—Owen Carnahan. He believes that members of housing co-ops play an important role in making sure premiums are reduced and co-ops are safer places to live. He is here to work with you, answer your questions, and help you with a plan.

You can reach Owen at 1-800-465-2752 ext. 229 or ocarnahan@chfcanada.coop if you have any questions.

Completing the checklists

It is very important to be in compliance with your by-laws and occupancy agreement (e.g. giving appropriate advance notice before anyone enters the units to complete the checklists).

There are options:

The checklists can be completed at the same time as annual unit inspections.

Separate copies can be given to each member and they can complete it for their own unit.

Ask the property manager if this could fit into their regular hours or if staff could be hired for additional hours.

Checklists will be able to be completed online shortly. Please check in regularly to the Risk Management page for updates on when this will be ready.

Once the checklists are completed, they can be scanned and emailed to Owen Carnahan at ocarnahan@chfcanada.coop or mailed to:

CHF Canada Commercial Insurance Risk Management
Attention: Owen Carnahan
311-225 Metcalfe Street
Ottawa, ON K2P 1P9


CHF Canada does not collect any personally identifiable information about individual co-op members or where they live. The questions on the risk management checklist we are asking you to return to us focus only on risks in the units related to insurance claims. The educational tool is for members to use for themselves and is NOT to be returned to CHF Canada.