Terms and Conditions
applicable laws. By accessing and using this website, you are accepting these terms and conditions without limitations and agree to be bound by these terms and conditions and all applicable laws. If you do not agree with any of these terms and
conditions, please exit this website immediately.
The term "The Co-operators" means, collectively, 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 Ltd., Federated Agencies Limited, Co-operators Financial Services Limited, CUMIS General Insurance Company, CUMIS Life Insurance Company, The Sovereign General Insurance Company, The Edge Benefits Inc. and Premier Marine Insurance Managers Group
The Co-operators reserves the right, in its sole discretion, to modify these terms and conditions at any time without notice to you, and your continuing use of this website following such modifications shall indicate
your acceptance of such modifications. You should periodically revisit this page in order to review the latest version of these terms and conditions.
The laws of the Province of Ontario and the laws of Canada applicable therein (without regard to conflict of law provisions) shall govern your use of this website, the materials and information provided on this website and these terms and
conditions. Any legal action or proceeding relating to this website shall be governed exclusively by the courts of the Province of Ontario and all courts of appeal therefrom. If you access this website from a location outside of Canada, you do so
on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
If any provision of these terms and conditions are found by a court of competent jurisdiction to be invalid or void, then that provision shall be deemed to be severable from the rest of these terms and conditions and shall not affect the validity
and enforceability of any remaining provisions of these terms and conditions, which shall remain in full force and effect. The Co-operators' failure to enforce, or delay in enforcing, any of these terms and conditions
shall not operate as a waiver of any of The Co-operators' rights or privileges under these terms and conditions. When it is appropriate, a word used in the masculine gender includes the feminine gender, and vice versa.
The Co-operators does not warrant that this website will always be available or that it will meet your requirements, nor does it warrant that access will not be interrupted, or that there will be no delays, failures,
errors or omissions, or loss of transmitted information. The Co-operators assumes no liability for loss or damages (including direct, indirect, special, incidental, consequential or punitive damages) that may result
from any of the foregoing.
These terms and conditions are of general application to this website, and are supplementary to any disclaimer, term or condition of specific application on a particular webpage provided on this website. In case of conflict, the specific
disclaimers, terms and conditions shall govern over these terms and conditions.
Products and services of The Co-operators are only offered in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in your province or territory of residence.
Discounts, coverage and eligibility vary by province and territory. All products and services are subject to the terms of the applicable agreements and laws that apply thereto. In case of any discrepancy between any such agreement and this website,
the agreement will govern. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a
The insurance coverage described in this website is underwritten by COSECO Insurance Company or by third party insurance companies which have entered into agreements with The The Co-operators and is administered by HB Group Insurance Management Ltd.
COSECO Insurance company is in the process of transitioning its clients to Co-operators General Insurance Company. Existing insurance policies are underwritten by COSECO Insurance Company and administered by HB Group Insurance Management Ltd, member companies of The Co-operators Group Limited. New and renewal insurance policies are underwritten by Co-operators General Insurance Company.
The material and information provided on this website is provided "as is" and without warranties of any kind, either express or implied. The Co-operators disclaims all warranties, express or implied, with respect to
this website, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.
Without limiting the generality of the previous paragraph, The Co-operators does not guarantee that the material and information provided on this website will be up-to-date, complete or accurate. Such material and
information is subject to change without notice.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, services or other information provided on this website. The opinions, services and other information provided on this website do not constitute, and
The Co-operators is not rendering, legal, accounting or other professional advice, and The Co-operators disclaims and does not assume any liability whatsoever with respect to such opinions,
services or other information.
The Co-operators disclaims all liability arising from the use of this website or the materials and information provided on this website by any user, including any losses, damages, lawsuits, claims or expenses a user
may incur as a result of accessing or using this website or such materials or 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, consequential or punitive damages arising out of the access or use of this website or the materials and information provided on this website, even if it has been advised of the possibility of such damages.
Copyright and Trademarks
Unless otherwise noted, the graphic images, buttons, layout and text contained in this website are protected by copyright and are the exclusive property of The Co-operators, represent only part of the intellectual
property of The Co-operators, and may not be copied, redistributed, reproduced, republished, stored in any medium, re-transmitted, modified or made public for commercial use, in whole or in part, without the express
written consent of The Co-operators. Users of this website may copy any materials or information provided on this website and display and use such materials or information for their own personal use, but may not
republish or reproduce such materials or information in any manner, including electronic reproduction by uploading or downloading for commercial or other uses, without the prior written consent of The Co-operators.
Where the copying or republication of materials or information provided on this website is permitted by these terms and conditions or by the written consent of The Co-operators, an acknowledgment of the source must be
included whenever such materials or information are copied or republished.
Certain names, words, titles, phrases, logos, icons, graphics or designs contained in this website may constitute trade names, registered or unregistered trademarks or service marks of The Co-operators or third
parties. Such trade names, trademarks and service marks are protected by applicable laws, and may not be used except with the prior written consent of The Co-operators or the applicable third party. Any unauthorized
downloading, re-transmission, or other copying or modification of trade names, trademarks and service marks found on this website may be a violation of statutory or common law rights which could subject the violator to legal action. The display of
logos on pages of this website does not imply that a license of any kind has been granted to anyone else. The Co-operators prohibits the use of its logos and registered names as hyperlinks to any other websites without
written authorization. All rights reserved.
The symbols ® and TM designate Canadian registered trademark and unregistered trademark status respectively.
CLIC™ and the CLIC™ design are trademarks of CUMIS Life Insurance Company and are used under license.
CUIS™ and the CUIS™ design are trademarks of Credit Union Central of Canada and are used under license.
CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.
The Co-operators does not guarantee that any hyperlink provided on this website will be accurate at the time of your access. Moreover, the website pointed at by a hyperlink provided on this website may be developed and
maintained by persons over whom The Co-operators has no control. The Co-operators cannot and does not monitor third party websites, and, accordingly, The
Co-operators makes no representations or warranties regarding, and assumes no responsibility for, any websites pointed at by a hyperlink provided on this website or otherwise referenced on this website. The inclusion on this website of a
hyperlink to a third party website is not an endorsement of, and does not constitute our approval of, the website to which the hyperlink points, the relevant third party, or its goods or services. Hyperlinks are provided on this website solely for
your convenience. Accessing a website via a hyperlink provided on this website is entirely at your own risk.
The Co-operators has the right, but not the obligation, to monitor any transmission made to or from this website. The Co-operators is committed to respecting the privacy of your personal
information. However, the internet is not a secure medium of communication and, accordingly, The Co-operators cannot assure the privacy or security of any information that you input into this website or transmit to us
over the internet via this website, via email or otherwise. The Co-operators is not responsible for any damages that you or others may suffer as a result of the loss of confidentiality of any such personal information
during its input into this website or its transmission to us, or in our communicating such personal information to you at your request.
The Co-operators does not warrant that any information, software or other material accessible through this website is free of viruses, worms, trojan horses or other disruptive, destructive or harmful components.
Online Tools and Calculators
Any online tools and interactive calculators made available on this website are for informational purposes only. Although we believe such tools and calculators are accurate and complete, The Co-operators makes no
warranty, nor accepts any liability related to their use. While these tools and calculators may be useful to you, The Co-operators does not intend, nor should you regard the results of your usage as financial, legal,
tax or accounting advice, or advice regarding the suitability or profitability of any product or investment, or any decision in respect thereof. No reliance may be placed on us for any such advice and we encourage you to seek personalized advice
from qualified professionals. Calculations or projected results are provided for illustration only and are not guaranteed to be accurate or complete, being based on hypotheses. Any default values are provided for illustrative purposes only and
solely as a reference.
Any quotes provided by the tools contained on this website are estimates only, and are neither an acceptance of insurance nor a guarantee of insurability. Such quotes are based on the information you have provided and do 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 final quote and, accordingly, the actual premium may be higher or lower than the premium described in the quote provided by the tools contained on this website. You must provide us with all known facts which are likely to materially
influence us in the appraisal of the risk, the setting of the premium or our decision to provide you with coverage. In the event of a difference between the premium estimated on-line and that quoted by The Co-operators,
whether higher or lower, the premium quoted by The Co-operators will apply.