The Co-operators Internet Legal Disclaimer

The term "The Co-operators" shall mean The Co-operators Group Limited and any of its related, affiliated and subsidiary corporations including (without limitation) Co-operators General Insurance Company, Co-operators Life Insurance Company, COSECO Insurance Company, HB Group Insurance Management Limited, Federated Agencies Limited, Co-operators Financial Services Limited and Sovereign General Insurance Company.


The Co-operators disclaims all warranties, express or implied, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of The Co-operators is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in respect to your personal situation.

The Co-operators completely disclaims all liability for the use of the information contained on this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information.

Further, and without limiting the generality of the foregoing, in no event shall The Co-operators be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information herein even if it has been advised of the possibility of such damages.

Use of Cookies and Web Analytical Tools

"Cookies" are data files that we send to your computer while you are viewing our websites. These data files include information that allows our site to remember your online preferences.

Web analytics provide non-personally identifiable statistical information about how visitors interact with our website and applications. The Co-operators has enabled Google Analytics Display Advertising (which includes the following features: Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager integration, and Google Analytics Demographics and Interest Reporting).

To opt out of Google Analytics for Display Advertising and customer Google Display Network ads, please use the Ads Settings. To view the currently available opt-outs for the web, please visit Google Analytics Opt-out Browser Add-on. Google’s Privacy Policy is available by clicking here.

We use cookies, analytics, and other technologies to help us track visits to our website, record downloads, and record uses of our applications. This information may be used to manage and customize our content, layout, applications, and services in order to improve our site, enhance your overall client experience, and provide messages that we feel would be of interest to you.

Information derived from cookies and web analytical tools may be collected and analyzed on our behalf by a third party and this analysis provided to us. Most major browsers are set up to automatically accept cookies. If you don't want cookies, you can update your device settings to warn you each time a cookie is being sent or turn off all cookies through your browser (e.g. Internet Explorer or Firefox). You should understand that while The Co-operators does not require you to use cookies, certain services on our web pages may not function properly if you set your browser to not accept cookies.


If you have difficulty accessing our secured online quote site, it could be for one of the following reasons:

1. If you are using Internet Explorer, please make sure that the security settings for your browser are set appropriately. For example, for Internet Explorer Version 7, click the Tools menu, and then click Internet Options. On the Advanced tab, scroll to the Security Section and check settings for SSL 2.0, SSL 3.0, TLS 1.0, PCT 1.0.

2. The online quote site uses 128 bit Secure Socket Layer (SSL) encryption, the most secure and advanced encryption being used on the web today. This means that your payment information is 'scrambled' so that it cannot be intercepted and read.


Please note : if you are unsure if you have a 128 bit encrypted browser, select one of these two options to download and install the most up-to-date versions of either Internet Explorer or Firefox.

Microsoft Internet Explorer


Unless otherwise noted, the graphic images, button, layout and text contained in this website and in sites of other companies of The Co-operators are the exclusive property of The Co-operators and may not be copied or distributed, in whole or in part, without the express written consent of The Co-operators. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.


The Co-operators cannot guarantee that any hyperlink set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by a hyperlink are developed and possibly maintained by persons over whom The Co-operators has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, The Co-operators assumes no responsibility for the content of any sites referenced by any hyperlink or otherwise.

Data protection

The Co-operators has the right, but not the obligation, to monitor any transmission made to or for this website.

Software quality

The Co-operators does not warrant that any information, software or other material accessible through one of their web pages is free of viruses, worms, Trojan horses or other harmful component.

Rules and Regulations of The Co-operators 2017 Go Paperless “Tablet Giveaway” Contest

The contest will run from January 1 at 12:01am Eastern Time (ET) to June 30, 2017 11:59 pm ET. Click here for full contest rules.

Rules and Regulations of The Co-operators 2017 $15,000 Call, Click or Come In National Quote Contest

The contest commences May 1, 2017 at 8:00:01 a.m. (E.S.T) and ends on April 30, 2018 at 11:59:59 p.m. (E.S.T).

Rules and Regulations of The Co-operators 2017 “Double your RRSP/TFSA contribution” Contest

The contest will run from January 2, 2017 at 9:00 am Eastern Time (ET) to February 28, 2017 at 5:00 pm ET. Click here for full contest rules. Quebec residents click here.

Rules and Regulations of the 2016 "Mon moment précieux Co-operators" contest

The contest commences October 3, 2016 at 00:01 a.m. (EDT) and ends on October 31, 2016 at 11:59 p.m. (EDT)

Online Estimate

This is an estimate only, it is neither an acceptance of insurance nor a guarantee of insurability. It is based on the information you have provided and does not include any applicable taxes. For your convenience, we have preselected the coverages, limits, and deductibles most often chosen by our clients. You can customize your coverage to better suit your needs and budget.

Further information, will be necessary to provide you with a complete quote and your final premium may be adjusted. You must contact a licensed Insurance/Financial Advisor to finalize your transaction. In the event of a difference between the premium estimated on-line and that quoted by the agency, whether higher or lower, the premium quoted by the agency will apply. A monthly payment option is also available, some conditions apply.

Please be advised that in requesting an online estimate you are consenting to the collection use and disclosure of your personal information, such collection use and disclosure shall be governed by our privacy policy. For more information on our privacy policy and the third party sources that may be involved please click here. Please note that we may collect, use and disclose your personal information from and to third party sources including credit bureaus. Your credit score will be obtained, where applicable, from TransUnion (Box 338, LCD 1, Hamilton ON L8L 7W2).