CHF Canada’s Role

Our focus is on:

• Keeping insurance affordable and offering great value for coverage to CHF Canada members.
• Maintaining insurance coverage that meets the needs of housing co-ops.
• 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.
• Because co-ops are part of a group program with Co-operators, they can rely on CHF Canada to negotiate coverage and renewal terms that work for them and advocate on their behalf.

Your Role

Speak to your Co-operators advisor.

• Ask questions about your premium.
• Find out whether your co-op can receive a credit for risk management activities.
  work through Co-operators loss prevention form to identify potential risks and claims.

It could save you money!

How To Contact Your Advisor

For insurance-related questions, such as questions about coverage or premiums, please call your Co-operators Financial Advisor. You can find their name and contact number in the top right corner of the 1st page of the insurance declaration.

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.

CHF Canada and Co-operators—working together to make sure you’re covered!

Employee & Family Assistance Plan

If you are a housing co-op staff person or manager and already enrolled in our group benefits program, you have access to an Employee and Family Assistance Plan (EFAP), which is provided through Telus Health.

EFAP is a confidential and voluntary support service that can help you take the first step toward change and is available at no extra cost.  Let them help you find solutions to the challenges you face at any age and stage of life.

It includes tools and resources to help deal with:

• Stress, mental health concerns, and grief and loss.
• Family relationship issues, including separation, divorce and parenting.
• Workplace challenges.
• Legal and financial issues.
• Improving your physical health and nutrition.

You also have access to the Telus Health website and app, a very useful resource with more information on the topics above. If you don’t have the log-in information, please ask your plan administrator (the person in charge of group benefits at your co-op).

CHF Canada wants you to stay healthy and able to pay for medical needs for you and your family.

Cyber Security Risk In Co-ops

Cyber security risk is the potential for a loss resulting from a cyberattack or data breach at your housing co-op. A cyberattack is like a digital break-in but instead of picking a lock on a door, attackers use software and the internet to sneak into and damage your computer system, network or device—usually to steal information, cause disruption, or demand money.

It includes tools and resources to help deal with:

• Hacking into a system to steal data (like passwords or credit card info).
• Sending viruses or malware that can damage files or spy on users.
• Spam (Phishing) emails that trick people into giving away personal info.
• Ransomware that locks files and demands money to unlock them.
• The risk is not only about the likelihood of a cyberattack itself but also the potential consequences of the attack, such as financial loss, reputational damage, or a disruption in the day-to-day business operations of your co-op.

The Importance of Cybersecurity

Everyone is vulnerable to cyberattacks

These attacks can happen to individuals, businesses, or even governments; anyone with a computer can fall victim to a cyberattack.

Housing co-ops, like other not-for-profit organizations, are just as vulnerable as any large company to the risk of a cyberattack.

Housing co-ops are businesses too and have a variety of sensitive information that can be exposed in a data breach.

All it takes is one misplaced laptop or one click on a malicious email for unauthorized users to gain access to private or sensitive information, leading to lost or misused data that may involve:

• Full names, addresses, phone numbers and emails.
• Credit-card and bank details.
• Driver’s licences.
• Social insurance numbers.

Practical Ways to help reduce the risk of a cyber security breach:

• Use strong and unique passwords.
• Avoid using the same password for multiple accounts.
• Keep your software and operating systems up to date.
• Be cautious while sharing personal information online.
• Use two-factor authentication.
• Regularly back up your data.
• Participate in Cyber-security training.

For more information on how to stay safe online and how to secure your accounts and devices; check with the Government of Canada’s Get Cyber Safe website.

Why Have A Memberguard Policy?

Better protection at a better price.

MemberGuard can offer better rates to co-op members because it’s a CHF Canada group insurance program. CHF Canada uses the buying power of over 900 members and 55,000 co-op homes to secure the best possible coverage at special rates for members. And with MemberGuard, your coverage includes $1,000,000 in personal liability protection.

Get complete coverage, and peace of mind.

MemberGuard covers the full replacement value of everything you own: not just large appliances and furniture, but the small things you value that would cost a lot to replace, like your clothes or electronics. MemberGuard also includes personal liability insurance to protect you in case you are found responsible for accidental injury to another person or damage to their property.

Protection You Can Trust

MemberGuard is brought to you by Co-operators Group of Companies. For the last 25 years, CHF Canada and Co-operators have worked together to offer members exceptional insurance programs. This “co-operation among cooperatives” guarantees you get superior coverage at low, co-operative rates.

Your friendly, knowledgeable MemberGuard representative has the answers. Call Co-operators today to find out more and get a free, no-obligation quote, at 1-800-387-1963.

Save Money

As a member of your housing co-op, you may be eligible for discounts on AutoGuard’s already competitive rates if:

You Also Have Memberguard®

You’re insuring more than one vehicle

You have a short daily drive to work

Fast and fair settlements. With Co-operators expert claims service, you can rest assured that they will process your claims quickly and fairly, 24 hours a day, seven days a week

Protection You Can Trust

AutoGuard is brought to you by Co-operators.

For the last 40 years, CHF Canada and Co-operators have worked together to offer members exceptional insurance programs. This “co-operation among co-operatives” guarantees you get superior coverage at low, co-operative rates.

Your friendly, knowledgeable AutoGuard representative has the answers. Call Co-operators today to find out more and get a free, no-obligation quote. 1-800-387-1963

How does it work?

The co-op itself would take out this insurance on behalf of all eligible members. It doesn’t matter how many units are in your co-op or how many members live there. Premiums are set based on the plan chosen by your co-op.
There are three Benefit Period plans available:

1. 3 months at a $0.25 Rate
2. 6 months at a $0.53 Rate
3. 12 months at a $1.09 Rate

You can read about the program and how to calculate your premiums by downloading this brochure.