Co-operators Reinforces Its Commitment To Community Resilience With New Property Insurance Coverage

New, premium-free policy endorsement reimburses clients to help them build to more resilient standards following a loss

Guelph, ON (June 12, 2024) – The trend of climate change in Canada is clear. The direct impact to communities puts them at the forefront of this challenge and alone, they aren’t equipped to endure the effects that are no longer far off, but right at their doorstep. As a result, property insurance is getting costlier and insurance coverage gaps are increasing. In response to this, Co-operators is supporting its clients in reducing their risk and building their resilience in a rapidly changing world, at no additional cost to clients. Entering the market is a new insurance coverage: TomorrowStrong™.

The value-added endorsement is unique to Co-operators and available on eligible Home and Farm policies with no added premium charge. The coverage is designed to support the company’s ongoing commitment to community resilience. It provides eligible policy holders with up to $3,000 for more weather resistant roofing upgrades and $1,000 for preventative loss measures like security systems, sump pumps, or surge protectors.

“As insurers we have a responsibility to protect our clients and our communities. To do that we need to reimagine our approach to property insurance,” says Lisa Guglietti, Executive Vice President of Property and Casualty Insurance and Chief Operating Officer at Co-operators. “Climate change is causing increased severity and frequency of extreme weather and it’s unreasonable to expect our clients or communities, to face these threats alone. We need urgency and innovation to meet this challenge head-on because we’re past the point of just implementing mitigation or adaptation, the two are now inextricably linked.”

According to the Insurance Bureau of Canada (IBC) there was roughly $3B in insured losses in 2023 alone. As this trend worsens, the affordability and protection gaps will grow, throwing the financial security of communities into peril. This is exacerbated by the immense waste issue that the insurance industry faces. Co-operators alone disposes of more than 116,000 tonnes of waste related to property claims each year.

To address this issue, Co-operators is applying savings from the adoption of sustainable claims practices, proven to reduce waste and emissions, and instead of taking those savings to its bottom line, reinvesting in clients and communities with resilient solutions.

Where applicable, following an insured loss, TomorrowStrong™ coverage provides reimbursement* of up to:

  • $3,000 for eligible resilient roofing upgrades:
    • Roofing materials and installations that have a Class 4 impact rating (withstands hail up to 2 inches in diameter) and/or Class G or H wind rating (withstands winds of up to 193 kph and 241 kph) and a Class A Fire rating (fully fire resistant).
  • $1,500 for the addition of hurricane straps:
    • Metal connectors or fasteners that strengthen the connection between a roof truss and wall plate to prevent uplift.
  • $1,000 for prevention following a loss:
    • Installation of preventative measures such as but not limited to security system, sump pump, water alarm, and surge protector.

“We knew that to make a real difference for our clients and our communities, we had to start with a comprehensive review of our own processes,” says Tara Laidman, Vice President of Home and Auto Insurance at Co-operators. “Emissions and waste are fueling the climate crisis and if we simply rebuild following a loss to the same standard as before the damage occurred, we’re perpetuating a cycle. We needed to find a way to do better and that’s what makes this offering so unique.”

Co-operators is confident that its strategy is in line with what Canadians expect. According to a recent survey the organization conducted, 73% of Canadians think that it’s important for companies to offer products and services that are sustainable and 72% think that reducing the use of natural resources in manufacturing is a critical action for companies to take to towards sustainability.

For more information about TomorrowStrong™ or to learn more about Co-operators commitment to sustainability and community resilience, visit or connect with a Co-operators financial representative.

About the Survey

The national online survey of 1,500 adult residents of Canada was conducted between May 8 and 14, 2024. The sample was randomly drawn from a panel of potential survey respondents (Leger Opinion). Post-stratification weights were applied to the sample based on 2021 census population parameters to ensure representation by province, age, and gender. An associated margin of error for a probability-based sample of this size would be ± 3 per cent, 19 times out of 20.

About Co-operators

Co-operators is a leading Canadian financial services co-operative, offering multi-line insurance and investment products, services, and personalized advice to help Canadians build their financial strength and security. Co-operators has more than $62 billion in assets under administration and has been providing trusted guidance to Canadians for the past 78 years. The organization is well known for its community involvement and its commitment to sustainability. Achieving carbon neutral equivalency in 2020, the organization is committed to net-zero emissions in its operations and investments by 2040, and 2050, respectively. Co-operators is also ranked as a Corporate Knights’ Best 50 Corporate Citizen in Canada. For more information, visit


* Certain exclusions or conditions may apply

TomorrowStrong™ is a trademark of The Co-operators Group Limited.

Home insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. Please refer to your policy for applicable coverage limitations and exclusions. Co-operators General Insurance Company is committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. Co-operators® is a registered trademark of The Co-operators Group Limited. © 2024 Co-operators General Insurance Company.

Source: The Co-operators Group Limited

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