Skip to searchSkip to main menuSkip to secondary menuSkip to main contentSkip to footer

Our co-operative difference

Being a co-operative is core to our identity and our business. Find out how our co-op commitment benefits our members, clients and communities. 

Inspiring a unique client experience

While “co-op” is in our name, you may not know that we’re a Canadian-owned co-operative. But what does that mean, and why is it important to you?

Like all co-operatives, our business decisions are guided by global co-op principles. That means we balance the need for profitability with the needs of our members, clients and communities. Making people a priority, taking a long-term view and operating in a sustainable way sets us apart from many shareholder-run companies. Our co-op values inspire a unique insurance and financial services experience, one that puts you first and works to meet your needs.

Find out what it means to be a co-op

Creating a sustainable future, together

In 1945, a group of farmers and social pioneers discovered they had common needs that traditional insurance companies couldn’t meet, so they decided to work together. Our co-operative was formed to meet their collective insurance needs. More than 75 years later, we’re as committed to our co-operative identity as we’ve ever been.

As a co-op, we make decisions through a lens of sustainability. Looking forward, we’re well-positioned to support our communities through difficult times. When we work together, we can find long-term solutions to the complex challenges we face today.

Check out our co-op values in action

Serving the needs of our members

Co-ops are member controlled. In our case, we’re governed by a group of member organizations that use our products and services. We’re motivated and guided by people across the country, not by the maximization of profits.

Our diverse membership represents a variety of industries and sectors across Canada. You don’t need to be a member to become a Co-operators client, but membership does come with benefits. Each member has an equal voice in our governance and enjoys shared profits and perks.

Get to know our members and benefits

Declaring our co-op identity

What does being a co-operative mean to us? To achieve a shared understanding, we abide by the Declaration of Our Co-operative Identity in all aspects of our business. We hope this declaration inspires our members, workforce, clients and partners to continue to bring co-op values to life for the benefit of us all.

Read the full declaration