How Our Coverage Works

Community Housing Coverage’s partnership with HUB International allows non-profit housing providers to continue receiving direct insurance policies with HUB and insurers while participating in a provincial consortium through CHC.

This consolidation of individual policies into a provincial consortium allows CHC to leverage bulk purchasing power to provide members with access to exclusive cost savings, fueling the Repair Reserve Fund (RRF).

Managed by CHC, the RRF strengthens our ability to manage risks over the long term and demonstrates our commitment to financial responsibility. By reinvesting savings into the fund, we can address risks internally, providing greater flexibility and financial stability. This proactive approach not only prepares us for the future but also enables us to enter insurance negotiations with confidence, ensuring a strong, sustainable strategy.

The team at Community Housing Coverage acts as an administrative service provider and bridge between members, the consortium, and HUB International, streamlining administrative processes, and provided around-the-clock support and restoration services across the province. With CHC overseeing policy renewals and service as the main point of contact across the program, housing providers can focus on their properties while enjoying enhanced coverage and support.

Beyond that, with CHC’s provincial consortium model, our sector members have greater influence in advocating and negotiating with the global insurance, resulting in benefits such as stable premiums, discounted rates, and the ability to create the Repair Reserve Fund.