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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.
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
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.
Co-ops’ annual commercial insurance renewal and update.
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.
To find your co-op’s 2025 renewal premiums, speak to your Co-operators advisor or your Commercial Account Consultant.