A better way to manage risk
CHC is competitive, but it isn’t about finding the cheapest price today.
It’s about managing your total cost of risk over time—with more stability, better protection, and fewer surprises.
More stability, less uncertainty
Insurance costs can change quickly—especially after a claim.
CHC helps reduce that volatility by covering claims below the cost threshold before they reach insurers.
That means fewer surprises and more predictable costs over time.
An extra layer of protection
The SIR Fund adds another layer between you and the insurance market.
Instead of every claim impacting your policy, many are handled within the program first. This helps protect your insurance profile—and your future premiums.
A more complete view of cost
Insurance isn’t just about price.
Deductibles, claims, and coverage gaps all affect your total cost.
CHC is designed to manage that full picture—not just the upfront costs.
Ongoing support and insight
CHC doesn’t just change how insurance works. It helps you navigate it.
Members benefit from:
- Clearer guidance on coverage and risk
- Support when claims happen
- Tools and insights to reduce future risk
Value that builds over time
Cost isn’t just what you pay upfront.
Some options may seem cheaper upfront—especially if there are gaps in coverage. But when claims happen, costs can rise quickly.
CHC is designed differently—so that over time, you’re better protected from those increases.
Strength as a sector
By participating in CHC, you’re part of a collective approach to managing risk.
Members contribute to a shared model that:
- Provides you with support
- Strengthens the sector’s position
- Keeps more non-profit dollars working within the community
Real impact
