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Members of our group insurance program
have exclusive access to
HSC’s risk management services and advice

Insurance & Risk Management – Coverages for Ontario Non-Profit Social Housing, Homeless Shelters, Transitional Housing

HSC Insurance & Risk Management is focused on protecting the financial well-being of housing providers and residents from risk events.

We manage one of the largest group insurance programs in North America, delivering competitive premiums and guaranteed coverage that is tailored specifically to the needs of the housing sector.  Our program also provides support to social housing providers with education on risk management and liability and loss prevention. We’ve also worked to create North America’s first tenant insurance program exclusively for social housing residents.

Key Principles of the HSC Group Insurance Program

To meet overall provider coverage needs:

Core coverages specifically designed for social housing provider needs, including mould

To address the gap left by private insurance providers:

Guaranteed coverage for all participants, regardless of their claims history

To deliver best overall value for money and ensure accountability:

Stringent procurement processes to obtain the optimum combination of coverage, flexibility and premium pricing

To balance fairness with affordability:

Premium allocations that account for individual claims histories but remain as affordable as possible


Benefits of HSC Group Insurance

As a non-profit organization whose board is comprised of Service Manager and provider representatives from across Ontario, HSC’s primary objective is to protect the interests of the housing sector. As such, unlike private insurance brokers, HSC is focused on the broader picture.


You Don’t Pay for Claims Investigation and Defence Costs

Since 2003 we have saved housing providers more than $4.5 million in investigation and legal defense costs.

Competitive Rates

Thanks to a combination of low claims and HSC negotiations, basic property premium rates reduced overall by nearly 30% from 2003 to 2008.

Commission Caps

HSC has negotiated commissions that are approximately 50% lower than those available to individual clients.

Procurement Best Practices, Without the Costs

The HSC Group Insurance Program guarantees housing providers that their insurance intermediaries, insurers and supporting service providers were selected using stringent public procurement processes with no direct administrative costs to them.

Providing direction to the Province

The size and scale of HSC’s group insurance program enables us identify and bring to the Province’s attention broad risk management issues and trends and to offer recommendations on behalf of the group.

HSC is legislated by the Province of Ontario to design and manage a group program for social housing landlords.  These landlords need insurance to keep or obtain their mortgages. Some, due to poor or large claims histories, cannot obtain insurance on their own.  The HSC group program guarantees coverage to all housing providers.


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Forms and Polices

Group Insurance Forms and Policies
Safe-T-Element / SmartBurner Property Premium Discount Form
2019/20 HSC Insurance Program Guidelines



Resources to Support Contingency Planning

Directors and Officers Risk Training Guide

Risk Management Training

Managing Risky Business quarterly updates 

HSC Risk Management videos



2012 Report on the Redesign of the HSC Insurance Program


Inquiries regarding the HSC Insurance Program or the Alternate Broker Process please contact:


Inquiries regarding your Insurance coverage or changes please contact:

T: 416.349.6697/1.888.768.9887
Fax 416.349.4551/1.888.336.6629


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