{"id":5332,"date":"2026-01-28T11:28:32","date_gmt":"2026-01-28T18:28:32","guid":{"rendered":"https:\/\/chf-ca.papercrane.ca\/?page_id=5332"},"modified":"2026-02-25T17:14:13","modified_gmt":"2026-02-26T00:14:13","slug":"assurance","status":"publish","type":"page","link":"https:\/\/chf-ca.papercrane.ca\/fr\/programmes\/assurance\/","title":{"rendered":"Assurance"},"content":{"rendered":"<section data-pc-section=\"tertiary-hero\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative pt-24! lg:pt-56! lg:pb-6! flex flex-col lg:flex-row lg:items-center\">\n        \n    <div class=\"pc-container-lg \">\n        <div class=\"flex flex-col lg:flex-row gap-10\">\n            <div class=\"pt-8 lg:py-0 flex-1 flex flex-col items-start max-w-240\" data-stagger='true'>\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-3\">\n  Adh\u00e9sion\n<\/div>\n                \n                                    <h2 class=\"text-[2rem]! lg:text-[3rem]! font-bold leading-[125%]! mb-4\">Programmes et services d\u2019assurance<\/h2>\n                \n                                            <\/div>\n                            <div class=\"flex-1 flex lg:items-center\">\n                    <div class=\"wysiwyg\"><h6>Depuis plus de 40\u00a0ans, la FHCC et Co-operators sont des partenaires fructueux qui offrent un programme exclusif de produits d\u2019assurance con\u00e7us sp\u00e9cialement pour r\u00e9pondre aux besoins des membres de la FHCC.<\/h6>\n<\/div>\n                <\/div>\n                    <\/div>\n            <\/div>\n<\/section>\n\n\n<nav\n         data-pc-section=\"anchor-navigation\"         data-position=\"top\"\n        aria-label=\"Nos services d\u2019assurance sont les suivants:\"\n        class=\"py-8 bg-dark-blue w-full\"\n    >\n        <div class=\"pc-container-lg\">\n                            <h3 class=\"text-white mb-4 text-2xl! lg:text-[2rem]!\">Nos services d\u2019assurance sont les suivants:<\/h3>\n                                    <ul class=\"grid grid-cols-1 md:grid-cols-3 lg:grid-cols-5 justify-between gap-4\" role=\"list\">\n                                    <li>\n                        <a\n                            href=\"#ci\"\n                            data-anchor=\"ci\"\n                            class=\"px-3 py-2 bg-white w-full rounded-md pc-shadow-md flex-1 flex gap-2 items-center justify-between text-base font-bold text-dark-blue no-underline! hover:bg-gray-100 focus:outline-none focus:ring-2 focus:ring-offset-2 focus:ring-dark-blue transition-colors\"\n                            aria-label=\"Jump to Assurance commerciale\"\n                        >\n                            <span class=\"truncate flex-1\">\n                                Assurance commerciale\n                            <\/span>\n                            <svg aria-hidden=\"true\"  class=\"shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n  <path d=\"M1 8L6 13L11 8M1 1L6 6L11 1\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                        <\/a>\n                    <\/li>\n                                    <li>\n                        <a\n                            href=\"#gb\"\n                            data-anchor=\"gb\"\n                            class=\"px-3 py-2 bg-white w-full rounded-md pc-shadow-md flex-1 flex gap-2 items-center justify-between text-base font-bold text-dark-blue no-underline! hover:bg-gray-100 focus:outline-none focus:ring-2 focus:ring-offset-2 focus:ring-dark-blue transition-colors\"\n                            aria-label=\"Jump to Assurance collective\"\n                        >\n                            <span class=\"truncate flex-1\">\n                                Assurance collective\n                            <\/span>\n                            <svg aria-hidden=\"true\"  class=\"shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n  <path d=\"M1 8L6 13L11 8M1 1L6 6L11 1\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                        <\/a>\n                    <\/li>\n                                    <li>\n                        <a\n                            href=\"#cyberguard\"\n                            data-anchor=\"cyberguard\"\n                            class=\"px-3 py-2 bg-white w-full rounded-md pc-shadow-md flex-1 flex gap-2 items-center justify-between text-base font-bold text-dark-blue no-underline! hover:bg-gray-100 focus:outline-none focus:ring-2 focus:ring-offset-2 focus:ring-dark-blue transition-colors\"\n                            aria-label=\"Jump to Cybergarde\"\n                        >\n                            <span class=\"truncate flex-1\">\n                                Cybergarde\n                            <\/span>\n                            <svg aria-hidden=\"true\"  class=\"shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n  <path d=\"M1 8L6 13L11 8M1 1L6 6L11 1\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                        <\/a>\n                    <\/li>\n                                    <li>\n                        <a\n                            href=\"#memberguard\"\n                            data-anchor=\"memberguard\"\n                            class=\"px-3 py-2 bg-white w-full rounded-md pc-shadow-md flex-1 flex gap-2 items-center justify-between text-base font-bold text-dark-blue no-underline! hover:bg-gray-100 focus:outline-none focus:ring-2 focus:ring-offset-2 focus:ring-dark-blue transition-colors\"\n                            aria-label=\"Jump to S\u00e9curiMembre\"\n                        >\n                            <span class=\"truncate flex-1\">\n                                S\u00e9curiMembre\n                            <\/span>\n                            <svg aria-hidden=\"true\"  class=\"shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n  <path d=\"M1 8L6 13L11 8M1 1L6 6L11 1\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                        <\/a>\n                    <\/li>\n                                    <li>\n                        <a\n                            href=\"#autogard\"\n                            data-anchor=\"autogard\"\n                            class=\"px-3 py-2 bg-white w-full rounded-md pc-shadow-md flex-1 flex gap-2 items-center justify-between text-base font-bold text-dark-blue no-underline! hover:bg-gray-100 focus:outline-none focus:ring-2 focus:ring-offset-2 focus:ring-dark-blue transition-colors\"\n                            aria-label=\"Jump to AutoAssure\"\n                        >\n                            <span class=\"truncate flex-1\">\n                                AutoAssure\n                            <\/span>\n                            <svg aria-hidden=\"true\"  class=\"shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n  <path d=\"M1 8L6 13L11 8M1 1L6 6L11 1\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                        <\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n    <\/nav>\n\n\n<section data-pc-section=\"text-and-image\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg\">\n        <div class=\"flex flex-col lg:flex-row gap-6 lg:gap-10 links-center\" data-stagger='true'>\n                            <div class=\"flex-1 flex relative links-center justify-center items-center bg-white rounded-2xl\">\n                                                                                    <img decoding=\"async\"\n                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/d061a3a4615042db8c2a1537c571721363218b93.jpg\"\n                        alt=\"\"\n                        class=\"w-full h-80 lg:h-160 max-h-80 lg:max-h-160 rounded-2xl object-cover\"\n                        >\n                                    <\/div>\n                        <div class=\"flex-1 flex flex-col lg:justify-center items-start bg-white pc-shadow-md px-4 py-6 lg:px-8 lg:py-10 rounded-2xl\">\n                \n                                                            <h4 class=\"font-bold! tracking-[0.04rem] mb-4\">Approche du programme d\u2019assurance<\/h4>\n                                    \n                                    <div class=\"mb-4 wysiwyg\"><ul>\n<li><span style=\"font-weight: 400\">La FHCC repr\u00e9sente ses membres tout en travaillant en \u00e9troite collaboration avec Co-operators Insurance pour apporter des changements avantageux au programme.<\/span><\/li>\n<li><span style=\"font-weight: 400\">Les membres de la FHCC ont un acc\u00e8s exclusif \u00e0 ces programmes; seuls les membres peuvent profiter des couvertures et des prix particuliers.<\/span><\/li>\n<li><span style=\"font-weight: 400\">Les programmes sont ax\u00e9s sur les sinistres, ce qui signifie que nous examinons chaque ann\u00e9e l\u2019historique des demandes afin de d\u00e9terminer les meilleurs tarifs n\u00e9cessaires pour le programme.<\/span><\/li>\n<\/ul>\n<\/div>\n                                                                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"icons-section\" class=\"pc-block-wrapper pc-block-wrapper--light-blue pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg \">\n        \n        <div class=\"\">\n                                                <h2 class=\"mb-4 text-2xl! lg:text-[2rem]! leading-[125%]! font-bold lg:max-w-240\">Faits importants<\/h2>\n                                                \n                \n                <div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-8 mt-10\" data-stagger='true'>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Les programmes et les services sont con\u00e7us exclusivement pour les coop\u00e9ratives d\u2019habitation.<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Il s\u2019agit d\u2019un programme de groupe. Lorsque les coop\u00e9ratives s\u2019en tirent mieux individuellement, le programme dans son ensemble en retire des avantages.<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">La FHCC n\u00e9gocie des modalit\u00e9s de couverture et de renouvellement qui conviennent \u00e0 tous<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Le taux de participation annuelle des coop\u00e9ratives du Canada est de 84\u00a0%.<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n            <div id=\"ci\" class=\"absolute -top-32\"><\/div>\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-4\">\n  Service\n<\/div>\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">Assurance commerciale<\/h2>\n                                <div class=\"wysiwyg \">\n                    <p><span style=\"font-weight: 400\">L\u2019assurance commerciale est sp\u00e9cialement con\u00e7ue pour les immeubles des coop\u00e9ratives et offre une couverture importante pour les b\u00e2timents des coop\u00e9ratives, la responsabilit\u00e9 ainsi que le contenu et les activit\u00e9s des bureaux\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Couverture des accidents des administratrices et administrateurs et des b\u00e9n\u00e9voles;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Protection contre les incendies et les dommages li\u00e9s \u00e0 l\u2019eau;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Remplacement garanti de vos immeubles.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Renseignements sur le renouvellement annuel<\/b><\/p>\n\n                <\/div>\n                                    <div class=\"flex flex-col lg:flex-row flex-wrap gap-4 mt-6\">\n                                                                                    <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue\" href=\"https:\/\/chf-ca.papercrane.ca\/programs\/insurance-programs-services\/2025-commercial-insurance-program-renewal\/\" >\n  Mise a joure de l&#039;assurance commerciale\n\n      <svg aria-hidden=\"true\"  class=\"transition-transform translate-x-0 group-hover:translate-x-1\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M12 16L16 12M16 12L12 8M16 12H8M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>  <\/a>\n                                                                        <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/01\/double-people.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>R\u00f4le de la FHCC<\/h6>\n<p><span style=\"font-weight: 400\">Nos priorit\u00e9s sont les suivantes\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintenir l\u2019assurance \u00e0 un prix abordable et offrir une protection de grande valeur aux membres de la FHCC;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintenir une couverture d\u2019assurance qui r\u00e9pond aux besoins des coop\u00e9ratives d\u2019habitation;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Int\u00e9grer, sans frais suppl\u00e9mentaires, un programme de gestion des risques pour aider les coop\u00e9ratives \u00e0 r\u00e9duire leurs risques, en vue de rendre les communaut\u00e9s plus s\u00fbres et d\u2019\u00e9viter les r\u00e9clamations co\u00fbteuses et les hausses de primes.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">\u00c9tant donn\u00e9 que les coop\u00e9ratives font partie d\u2019un programme collectif avec Co-operators, elles peuvent compter sur la FHCC pour n\u00e9gocier des modalit\u00e9s de couverture et de renouvellement qui leur conviennent et d\u00e9fendre leurs int\u00e9r\u00eats.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-2.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Votre r\u00f4le<\/h6>\n<p><span style=\"font-weight: 400\">Adressez-vous \u00e0 votre conseill\u00e8re ou conseiller de Co-operators.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Posez des questions sur votre prime. <\/span><span style=\"font-weight: 400\">V\u00e9rifiez si votre coop\u00e9rative peut b\u00e9n\u00e9ficier d\u2019un cr\u00e9dit pour ses activit\u00e9s de gestion des risques.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Utilisez le formulaire de pr\u00e9vention des sinistres de Co-operators pour cerner les r\u00e9clamations et les risques.<\/span><\/p>\n<h6><\/h6>\n<p><span style=\"font-weight: 400\">Vous pourriez \u00e9conomiser de l\u2019argent!<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/navigation-pointer-01.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Comment communiquer avec votre conseill\u00e8re ou conseiller<\/h6>\n<p><span style=\"font-weight: 400\">Pour toute question li\u00e9e \u00e0 l\u2019assurance, notamment sur la couverture ou les primes, veuillez communiquer avec votre conseill\u00e8re ou conseiller de Co-operators. Vous trouverez son nom et son num\u00e9ro de t\u00e9l\u00e9phone dans le coin sup\u00e9rieur droit de la premi\u00e8re page de la d\u00e9claration d\u2019assurance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Co-operators et la FHCC poss\u00e8dent l\u2019expertise n\u00e9cessaire pour vous aider \u00e0 chaque \u00e9tape. Nous sommes d\u00e9termin\u00e9s \u00e0 rendre nos coop\u00e9ratives plus s\u00e9curitaires et \u00e0 faire en sorte que votre assurance reste abordable.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La FHCC et Co-operators travaillent ensemble pour garantir votre couverture!<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n            <div id=\"gb\" class=\"absolute -top-32\"><\/div>\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-4\">\n  Service\n<\/div>\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">Assurance collective<\/h2>\n                                <div class=\"wysiwyg \">\n                    <p><span style=\"font-weight: 400\">Par l\u2019entremise de Co-operators, les coop\u00e9ratives peuvent profiter d\u2019excellents r\u00e9gimes d\u2019avantages collectifs \u00e0 des tarifs concurrentiels pour le personnel et les gestionnaires des coop\u00e9ratives d\u2019habitation.<\/span><\/p>\n<h5><\/h5>\n<p><span style=\"font-weight: 400\">Le r\u00e9gime de base couvre l\u2019assurance vie, l\u2019assurance en cas de d\u00e9c\u00e8s ou de mutilation par accident, l\u2019assurance invalidit\u00e9 de longue dur\u00e9e et un programme d\u2019aide aux membres du personnel et \u00e0 la famille.\u00a0\u00a0<\/span><\/p>\n<h5><\/h5>\n<p><span style=\"font-weight: 400\">Vous pouvez choisir parmi quatre r\u00e9gimes\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">R\u00e9gime de base;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">R\u00e9gime de base et soins m\u00e9dicaux compl\u00e9mentaires;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">R\u00e9gime de base et soins m\u00e9dicaux et dentaires compl\u00e9mentaires;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">R\u00e9gime de base, soins m\u00e9dicaux et dentaires compl\u00e9mentaires, et assurance invalidit\u00e9 de courte dur\u00e9e.<\/span><\/li>\n<\/ul>\n<h5><\/h5>\n<p><span style=\"font-weight: 400\">Les r\u00e9gimes sont administr\u00e9s par HUB International, qui offre aux coop\u00e9ratives du soutien pour le renouvellement des programmes, des renseignements sur les tendances de l\u2019industrie et des conseils pour r\u00e9soudre tout probl\u00e8me ou toute question que les membres pourraient avoir en lien avec une r\u00e9clamation.<\/span><\/p>\n<h5><\/h5>\n<p><span style=\"font-weight: 400\">Pour en savoir plus sur nos r\u00e9gimes et les couvertures, t\u00e9l\u00e9chargez la brochure du programme\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Pour les coop\u00e9ratives comptant un ou deux membres du personnel;\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400\">Pour les coop\u00e9ratives comptant plus de deux membres du personnel, ou visitez le <\/span><a href=\"https:\/\/www.hubinternational.com\/fr-CA\/programs-associations\/chfc\/\"><span style=\"font-weight: 400\">site Web<\/span><\/a><span style=\"font-weight: 400\"> du r\u00e9gime d\u2019avantages sociaux.<\/span><\/li>\n<\/ul>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/01\/double-people.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Programme d\u2019aide aux employ\u00e9s et \u00e0 la famille<\/h6>\n<p><span style=\"font-weight: 400\">Si vous \u00eates membre du personnel ou gestionnaire d\u2019une coop\u00e9rative d\u2019habitation et que vous \u00eates d\u00e9j\u00e0 inscrit \u00e0 notre programme d\u2019avantages sociaux collectifs, vous avez acc\u00e8s au programme d\u2019aide aux employ\u00e9s et \u00e0 leur famille (PAEF) offert par l\u2019entremise de TELUS Sant\u00e9.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Le PAEF est un service de soutien confidentiel et volontaire qui peut vous aider \u00e0 faire le premier pas vers le changement et qui est offert sans frais suppl\u00e9mentaires. Vous pouvez obtenir de l\u2019aide pour trouver des solutions aux difficult\u00e9s que vous vivez \u00e0 tout \u00e2ge et \u00e0 toute \u00e9tape de votre vie.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Le PAEF comprend des outils et des ressources pour aider \u00e0 g\u00e9rer les situations suivantes\u00a0:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Stress, probl\u00e8mes de sant\u00e9 mentale, deuil et perte;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Questions li\u00e9es aux relations familiales, y compris la s\u00e9paration, le divorce et l\u2019\u00e9ducation des enfants;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">D\u00e9fis en milieu de travail;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Probl\u00e8mes juridiques et financiers;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Sant\u00e9 physique et nutrition.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Vous avez \u00e9galement acc\u00e8s au site Web et \u00e0 l\u2019application TELUS Sant\u00e9, une ressource tr\u00e8s utile qui contient plus de renseignements sur les sujets ci-dessus. Si vous n\u2019avez pas les renseignements pour ouvrir une session, veuillez vous adresser \u00e0 la personne responsable des avantages sociaux collectifs de votre coop\u00e9rative.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La FHCC souhaite que vous restiez en bonne sant\u00e9 et que vous soyez en mesure de payer les soins m\u00e9dicaux dont vous et votre famille avez besoin.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n            <div id=\"cyberguard\" class=\"absolute -top-32\"><\/div>\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-4\">\n  Service\n<\/div>\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">Cybergarde<\/h2>\n                                <div class=\"wysiwyg \">\n                    <h5>Une couverture d\u2019assurance pour prot\u00e9ger votre coop\u00e9rative. Un soutien sur lequel vous pouvez compter en cas d\u2019impr\u00e9vus<\/h5>\n<p><span style=\"font-weight: 400\">Peu importe les moyens utilis\u00e9s pour se prot\u00e9ger en ligne, aucun plan n\u2019est infaillible. Con\u00e7ue pour les entreprises de toutes les tailles et de tous les secteurs, Cybergarde de Co-operators prot\u00e8ge votre coop\u00e9rative si vos donn\u00e9es confidentielles sont compromises. Deux niveaux de protection sont offerts\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">L\u2019assurance standard Cybergarde, qui est incluse dans les polices d\u2019assurance entreprise admissibles de Co-operators (v\u00e9rifiez votre police pour conna\u00eetre la protection actuelle de votre coop\u00e9rative).<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">La formule bonifi\u00e9e Cybergarde S\u00e9lect offre plus de protection, des limites plus \u00e9lev\u00e9es et des options suppl\u00e9mentaires flexibles.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Les deux assurances comprennent un acc\u00e8s gratuit au soutien en mati\u00e8re de r\u00e9clamations et aux services d\u2019intervention d\u2019urgence de CyberScout<\/span><span style=\"font-weight: 400\">MC<\/span><span style=\"font-weight: 400\"> (une marque de Sontiq<\/span><span style=\"font-weight: 400\">MC<\/span><span style=\"font-weight: 400\">), son partenaire de confiance en mati\u00e8re de gestion des risques dans le domaine de la cybers\u00e9curit\u00e9 et de la protection.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">En plus d\u2019enqu\u00eater sur une menace et d\u2019en r\u00e9duire l\u2019incidence, CyberScout<\/span><span style=\"font-weight: 400\">MC<\/span><span style=\"font-weight: 400\"> pr\u00e9sente une demande de r\u00e9clamation au titre de Cybergarde et g\u00e8re le processus de r\u00e9clamation du d\u00e9but \u00e0 la fin. Les \u00e9quipes de Cybergarde maintiendront votre entreprise en activit\u00e9 gr\u00e2ce aux conseils dont vous avez besoin, d\u00e8s que vous en avez besoin.<\/span><\/p>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/lock-unlocked-02.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Risque de cybers\u00e9curit\u00e9 dans les coop\u00e9ratives<\/h6>\n<p><span style=\"font-weight: 400\">Le risque de cybers\u00e9curit\u00e9 est la possibilit\u00e9 d\u2019une perte r\u00e9sultant d\u2019une cyberattaque ou d\u2019une violation de donn\u00e9es dans votre coop\u00e9rative d\u2019habitation. Une cyberattaque ressemble \u00e0 un cambriolage num\u00e9rique, mais au lieu de crocheter la serrure d\u2019une porte, les attaquants utilisent des logiciels et Internet pour se faufiler dans votre syst\u00e8me informatique, votre r\u00e9seau ou votre appareil et pour l\u2019endommager, g\u00e9n\u00e9ralement pour voler des renseignements, provoquer des perturbations ou demander de l\u2019argent.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Voici quelques exemples\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Piratage d\u2019un syst\u00e8me pour voler des donn\u00e9es (comme des mots de passe ou des renseignements sur les cartes de cr\u00e9dit).<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Envoi de virus ou de logiciels malveillants pour endommager des fichiers ou espionner les utilisatrices et utilisateurs.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Envoi de courriels d\u2019hame\u00e7onnage pour duper les gens et les inciter \u00e0 donner des renseignements personnels.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Installation de ran\u00e7ongiciels pour verrouiller les fichiers et demander de l\u2019argent pour les d\u00e9verrouiller.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Le risque ne concerne pas seulement la probabilit\u00e9 d\u2019une cyberattaque, mais aussi ses cons\u00e9quences potentielles. Il peut s\u2019agir, par exemple, d\u2019une perte financi\u00e8re, d\u2019une atteinte \u00e0 la r\u00e9putation ou d\u2019une perturbation des activit\u00e9s quotidiennes de votre coop\u00e9rative.<\/span><\/li>\n<\/ul>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/file-lock-02.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>L\u2019importance de la cybers\u00e9curit\u00e9<\/h6>\n<p><span style=\"font-weight: 400\">Tout le monde est vuln\u00e9rable aux cyberattaques.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ces attaques peuvent toucher des particuliers, des entreprises ou m\u00eame des gouvernements. Toute personne disposant d\u2019un ordinateur peut \u00eatre victime d\u2019une cyberattaque.<\/span><\/p>\n<p><span style=\"font-weight: 400\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Les coop\u00e9ratives d\u2019habitation, comme d\u2019autres organismes \u00e0 but non lucratif, sont tout aussi vuln\u00e9rables au risque de cyberattaque que n\u2019importe quelle grande entreprise.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Les coop\u00e9ratives d\u2019habitation sont \u00e9galement des entreprises et disposent donc d\u2019un grand nombre de renseignements sensibles qui peuvent \u00eatre expos\u00e9s en cas de violation de donn\u00e9es.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Il suffit d\u2019un ordinateur portable \u00e9gar\u00e9 ou d\u2019un clic sur un courriel malveillant pour que des utilisateurs non autoris\u00e9s acc\u00e8dent \u00e0 des renseignements priv\u00e9s ou sensibles, ce qui peut entra\u00eener la perte ou le mauvais usage de donn\u00e9es, y compris\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des noms, des adresses, des num\u00e9ros de t\u00e9l\u00e9phone et des adresses courriel;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des renseignements bancaires et des num\u00e9ros de cartes de cr\u00e9dit;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des permis de conduire;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des num\u00e9ros d\u2019assurance sociale.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Moyens pratiques pour r\u00e9duire le risque d\u2019\u00eatre victime d\u2019une violation de la cybers\u00e9curit\u00e9<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Utiliser des mots de passe forts et uniques.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">\u00c9viter d\u2019utiliser le m\u00eame mot de passe pour plusieurs comptes.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintenir les logiciels et les syst\u00e8mes d\u2019exploitation \u00e0 jour.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Faire preuve de prudence lors de la transmission de renseignements personnels en ligne.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Utiliser l\u2019authentification \u00e0 deux facteurs.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Sauvegarder r\u00e9guli\u00e8rement ses donn\u00e9es.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Participer \u00e0 une formation sur la cybers\u00e9curit\u00e9.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Pour obtenir plus de renseignements sur la mani\u00e8re d\u2019assurer votre s\u00e9curit\u00e9 en ligne et de s\u00e9curiser vos comptes et vos appareils, consultez le site Web <\/span><a href=\"https:\/\/www.pensezcybersecurite.gc.ca\/fr\"><span style=\"font-weight: 400\">Pensez cybers\u00e9curit\u00e9<\/span><\/a><span style=\"font-weight: 400\"> du gouvernement du Canada.\u00a0\u00a0<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n            <div id=\"memberguard\" class=\"absolute -top-32\"><\/div>\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-4\">\n  Service\n<\/div>\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">S\u00e9curiMembre<\/h2>\n                                <div class=\"wysiwyg \">\n                    <h5><strong>Assurance des biens personnels et assurance responsabilit\u00e9 pour les membres individuels des coop\u00e9ratives d\u2019habitation.<\/strong><\/h5>\n<p><span style=\"font-weight: 400\">Prot\u00e9gez-vous et prot\u00e9gez le contenu de votre demeure contre les impr\u00e9vus.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Vos biens personnels, le contenu de votre demeure et votre responsabilit\u00e9 personnelle n\u00e9cessitent leur propre couverture.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">S\u00e9curiMembre est un programme d\u2019assurance des biens personnels con\u00e7u pour les membres des coop\u00e9ratives d\u2019habitation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Il vous prot\u00e8ge contre les difficult\u00e9s financi\u00e8res li\u00e9es au remplacement de vos biens \u00e0 la suite d\u2019un incendie, d\u2019un vol, d\u2019un d\u00e9g\u00e2t d\u2019eau ou d\u2019autres incidents malheureux, y compris une protection si vous \u00eates tenu personnellement responsable envers une autre personne pour des blessures ou des dommages mat\u00e9riels.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">S\u00e9curiMembre couvre la valeur de remplacement totale de tout ce que vous poss\u00e9dez, ce qui vous permet de b\u00e9n\u00e9ficier d\u2019une couverture compl\u00e8te aux meilleurs tarifs possibles.<\/span><\/p>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/file-shield-02.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Pourquoi avoir une police S\u00e9curiMembre?<\/h6>\n<p><span style=\"font-weight: 400\">Une meilleure protection \u00e0 un meilleur prix.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">S\u00e9curiMembre peut offrir de meilleurs tarifs aux membres des coop\u00e9ratives parce qu\u2019il s\u2019agit d\u2019un programme d\u2019assurance collective de la FHCC. La FHCC utilise le pouvoir d\u2019achat de plus de 900\u00a0membres et de 55\u00a0000\u00a0coop\u00e9ratives d\u2019habitation pour obtenir la meilleure couverture possible \u00e0 des tarifs pr\u00e9f\u00e9rentiels pour les membres. Et gr\u00e2ce \u00e0 S\u00e9curiMembre, votre couverture comprend une protection de responsabilit\u00e9 personnelle de 1\u00a0000\u00a0000\u00a0$.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">B\u00e9n\u00e9ficiez d\u2019une couverture compl\u00e8te et d\u2019une tranquillit\u00e9 d\u2019esprit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">S\u00e9curiMembre couvre la valeur de remplacement totale de tout ce que vous poss\u00e9dez; pas seulement les \u00e9lectrom\u00e9nagers et les meubles, mais aussi les petites choses auxquelles vous tenez et qui co\u00fbteraient cher \u00e0 remplacer, comme vos v\u00eatements ou vos appareils \u00e9lectroniques. S\u00e9curiMembre comprend \u00e9galement une assurance responsabilit\u00e9 personnelle pour vous prot\u00e9ger au cas o\u00f9 vous seriez responsable d\u2019une blessure accidentelle inflig\u00e9e \u00e0 une autre personne ou d\u2019un dommage caus\u00e9 \u00e0 ses biens.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-3.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Une protection sur laquelle vous pouvez compter<\/h6>\n<p><span style=\"font-weight: 400\">S\u00e9curiMembre vous est offert par le Groupe Co-operators. Depuis 25\u00a0ans, la FHCC et Co-operators travaillent ensemble pour offrir aux membres des programmes d\u2019assurance exceptionnels. Cette \u00ab\u00a0coop\u00e9ration entre coop\u00e9ratives\u00a0\u00bb vous garantit une couverture sup\u00e9rieure \u00e0 des tarifs coop\u00e9ratifs avantageux.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Votre repr\u00e9sentante ou repr\u00e9sentant S\u00e9curiMembre se fera un plaisir de r\u00e9pondre \u00e0 toutes vos questions. Communiquez d\u00e8s aujourd\u2019hui avec Co-operators au <a href=\"tel:18003871963\">1\u00a0800\u00a0387-1963<\/a> pour en savoir plus et obtenir une soumission gratuite et sans obligation.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n            <div id=\"autogard\" class=\"absolute -top-32\"><\/div>\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-4\">\n  Service\n<\/div>\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">AutoAssure<\/h2>\n                                <div class=\"wysiwyg \">\n                    <h5><strong>Assurance automobile pour les membres individuels des coop\u00e9ratives d\u2019habitation.<\/strong><\/h5>\n<p><span style=\"font-weight: 400\">Les membres individuels des coop\u00e9ratives peuvent obtenir une excellente protection pour leurs v\u00e9hicules \u00e0 un meilleur prix gr\u00e2ce aux polices AutoAssure de Co-operators.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La FHCC parraine l\u2019assurance collective pour ses coop\u00e9ratives membres depuis pr\u00e8s de deux d\u00e9cennies. Lorsque les membres des coop\u00e9ratives ont dit qu\u2019ils avaient besoin d\u2019une assurance automobile sur laquelle ils pouvaient compter, Co-operators les a \u00e9cout\u00e9s. Aujourd\u2019hui, nous sommes fiers d\u2019inclure AutoGuard dans la gamme de services d\u2019assurance que nous proposons \u00e0 nos membres.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Raisons importantes pour lesquelles vous devriez y adh\u00e9rer<\/span><\/p>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/piggy-bank-02.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>\u00c9conomies<\/h6>\n<p><span style=\"font-weight: 400\">En tant que membre de votre coop\u00e9rative d\u2019habitation, vous pourriez \u00eatre admissible \u00e0 des r\u00e9ductions sur les tarifs d\u00e9j\u00e0 concurrentiels d\u2019AutoGuard si\u00a0:<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/database-01.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Vous avez aussi S\u00e9curiMembreMD;<\/h6>\n<p><span style=\"font-weight: 400\">Vous assurez plus d\u2019un v\u00e9hicule;<\/span><\/p>\n<p><span style=\"font-weight: 400\">Votre trajet quotidien au travail est court.<\/span><\/p>\n<p><span style=\"font-weight: 400\">R\u00e8glements rapides et \u00e9quitables. Les experts en r\u00e9clamations de Co-operators traiteront vos r\u00e9clamations rapidement et \u00e9quitablement, et ce, en tout temps.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                            <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/shield-tick.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6>Une protection sur laquelle vous pouvez compter<\/h6>\n<p><span style=\"font-weight: 400\">AutoGuard vous est offert par Co-operators.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Depuis 40\u00a0ans, la FHCC et Co-operators travaillent ensemble pour offrir aux membres des programmes d\u2019assurance exceptionnels. Cette \u00ab\u00a0coop\u00e9ration entre coop\u00e9ratives\u00a0\u00bb vous garantit une couverture sup\u00e9rieure \u00e0 des tarifs coop\u00e9ratifs avantageux.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Votre repr\u00e9sentante ou repr\u00e9sentant AutoGuard se fera un plaisir de r\u00e9pondre \u00e0 toutes vos questions. Communiquez d\u00e8s aujourd\u2019hui avec Co-operators pour en savoir plus et obtenir une soumission gratuite et sans obligation.<a href=\"tel:18003871963\"> 1\u00a0800\u00a0387-1963<\/a><\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--white pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                                    <h2 class=\"mb-4 font-bold text-display-md! leading-display-md!\">Assurance vie contre la perte des droits d\u2019occupation<\/h2>\n                                <div class=\"wysiwyg \">\n                    <p><span style=\"font-weight: 400\">Si votre coop\u00e9rative offre une assurance vie contre la perte des droits d\u2019occupation, Co-operators paiera les droits d\u2019occupation de la famille jusqu\u2019\u00e0 concurrence d\u2019un an si un membre d\u00e9c\u00e8de avant l\u2019\u00e2ge de 70\u00a0ans, ou pendant les trois mois suivant l\u2019\u00e2ge de 70\u00a0ans.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Cela vous procure une tranquillit\u00e9 d\u2019esprit et permet aux membres restants du m\u00e9nage de demeurer dans leur logement pendant toute la dur\u00e9e de la couverture sans avoir \u00e0 se soucier du loyer ou de la recherche d\u2019un logement. La coop\u00e9rative n\u2019a pas \u00e0 s\u2019inqui\u00e9ter de la perte soudaine des droits d\u2019occupation. Les coop\u00e9ratives qui ont choisi de souscrire cette assurance affirment qu\u2019elle a \u00e9t\u00e9 tr\u00e8s utile \u00e0 leurs membres.<\/span><\/p>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                        <div class=\"rounded-full w-16 h-16 p-4 bg-light-blue flex items-center justify-center\">\n                                    <img decoding=\"async\" \n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/building-06.svg\"\n                                        alt=\"\"\n                                        class=\"max-h-full max-w-full object-contain\"\n                                    \/>\n                                <\/div>\n                                                                                        <div class=\"wysiwyg\"><h6><strong>Comment cette assurance fonctionne-t-elle?<\/strong><\/h6>\n<p><span style=\"font-weight: 400\">La coop\u00e9rative elle-m\u00eame prendrait cette assurance au nom de tous les membres admissibles, peu importe le nombre de logements dans votre coop\u00e9rative ou le nombre de membres qui y vivent. Les primes sont \u00e9tablies en fonction du r\u00e9gime choisi par votre coop\u00e9rative.<\/span><span style=\"font-weight: 400\">Trois r\u00e9gimes sont offerts\u00a0:<br \/>\n<\/span><span style=\"font-weight: 400\">P\u00e9riodes de prestations<\/span> <span style=\"font-weight: 400\">Taux<\/span><\/p>\n<ol>\n<li><span>3 mois<\/span> <span>0,25 $<\/span><\/li>\n<li>6\u00a0mois <span>0,53$<\/span><\/li>\n<li>12\u00a0mois <span>1,09$<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><strong>Vous pouvez vous renseigner sur le programme et la fa\u00e7on de calculer vos primes en t\u00e9l\u00e9chargeant cette brochure.<\/strong><\/p>\n<a href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/HBG1006_CHF_Housing_Infosheet.pdf\" class=\"group inline-flex items-center mt-4 gap-2 transition-all no-underline! font-semibold bg-transparent text-dark-blue hover:opacity-80\" target=\"_blank\" rel=\"noopener noreferrer\">Download Brochure <svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M8 11.9998L12 15.9998M12 15.9998L16 11.9998M12 15.9998V6.79982C12 5.40911 12 4.71376 11.4495 3.93521C11.0837 3.41793 10.0306 2.7795 9.40278 2.69444C8.45789 2.56642 8.09907 2.7536 7.38143 3.12796C4.18333 4.79625 2 8.14306 2 11.9998C2 17.5227 6.47715 21.9998 12 21.9998C17.5228 21.9998 22 17.5227 22 11.9998C22 8.29841 19.989 5.06669 17 3.33764\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n<\/svg>\n<\/a>\n<\/div>\n                                                                                        <div class=\"flex flex-col lg:flex-row flex-wrap gap-4\">\n                                                                                                                                                <\/div>\n                                                                                <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":5308,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5332","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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