The Co-operators and your privacy

The Co-operators is committed to protecting the privacy, confidentiality, accuracy and security of the personal information it collects, uses, retains and discloses in the course of conducting business.

Building relationships with you

To build a lasting relationship with you, and to provide you with requested products, services and advice, we require specific information. The information we gather about you varies, depending on your desired product or service. Personal information is defined as information about an identifiable individual, including (but not limited to):

  • name, address and telephone number
  • age, gender, family and marital status
  • driving record
  • previous insurance and claims experience
  • medical and health information
  • employment information
  • banking information, credit rating, payment records
  • identification numbers
  • assets and liabilities


Using your personal information

As part of our relationship with you, our group of companies may collect, use and disclose your personal information to:

  • identify you
  • understand your needs
  • confirm your application information and assess your eligibility for products and services
  • provide you with ongoing services, establish and maintain communication, and respond to your inquiries
  • investigate and settle your claims, and determine your eligibility for benefits
  • offer complementary products and services, and provide information that may be of interest to you
  • promote complementary products or services to you from business partners with who we have formed an association
  • meet regulatory requirements
  • contact you for the above purposes by various means including telephone, email, fax and ordinary mail.
  • reinsurance purposes


Releasing Your Information to Others

We may collect, use and disclose your information with our group of companies, your agent, broker, plan administrator, sales representative, other insurers, insurance reporting agencies, credit bureaus and/or any other person, corporation, firm, or enterprise (example: the Motor Vehicle Licensing Bureau). This would only be done as reasonably required for the purposes stated above.

Information may be collected by or transerred to a service provider outside of Canada for processing, storage, analysis or disaster recovery and may be subject to disclosure to those authorized under applicable laws of the foreign jurisdiction.

Obtaining Consent

Before using your information for any purpose other than those listed above, we will explain the purpose and obtain your consent. We do not sell client lists, or do we collect, use or disclose your personal information without your consent, except where authorized by law. We do not share your health information without your express consent.

Your rights

You have the right to access your personal information and request changes if required. It is your legal right to choose not to provide us with some or all of your personal information, or to deny us the use or disclosure of your information for certain purposes. Should you exercise this right, we will not unreasonably withhold requested products or services; however, certain information must be provided in order to supply the requested products or services.

By providing your consent for us to collect, use and disclose your personal information, we can better provide you with personalized services and products, information and counsel. This may include - but is not limited to - special product offers, contests, community events, and new discounts, coverages, products and services.

Your credit score will be obtained where applicable from TransUnion, Box 338, LCD 1, Hamilton, ON, L8L 7W2.

Maintaining the security of your personal information is a top priority. Only authorized personnel have access to your information, and our systems and procedures are designed to prevent the loss, misuse, unauthorized access, disclosure, alteration, or destruction of your information. Our commitment to security is emphasized in our Code of Ethics and extends to the contracts and agreements that we sign with external suppliers and service providers. We retain your information only for as long as required by the purposes for which it was collected and/or any legal or regulatory requirements.

Privacy questions, comments or requests?

If you would prefer that we not use your information as set out in this brochure - or if you have a question, comment or other request pertaining to privacy - you may contact your agent or:

The Co-operators Privacy Officer
Priory Square
Guelph, ON N1H 6P8
T: 1-888-887-7773
(Please include the company you deal with, in your inquiry) 

Our Group of Companies

The Co-operators group of companies includes:

  • The Co-operators Group Limited
  • Co-operators General Insurance Company
  • The Sovereign General Insurance Company
  • L’UNION CANADIENNE, Compagnie d’Assurances
  • Co-operators Life Insurance Company
  • Federated Agencies Limited
  • HB Group Insurance Management Ltd. and COSECO Insurance Company
  • Addenda Capital Inc.
  • Co-operators Financial Services Limited