Group Insurance Program

HSC’s brokerage services are conducted through HSC Insurance Inc., a fully owned subsidiary of Housing Services Corporation. HSC Insurance leverages the power of the group to control insurance costs. Unlike private insurers, we are focused on safe and affordable housing, not profitability.


We Cover:


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2023-24 Term

Please note that the distribution of 2023-24 renewal packages will be delayed until the week of September 24, 2023 

The program’s performance in the 2023-23 term will have an impact on premiums in 2023-24. There will also be coverage changes.

FAQs on the 2023-24 Renewal 

In 2022-23 HSC  introduced Risk Ratings for program participants.
The purpose of this rating is to help providers understand how their risk is perceived by the insurance market. It empowers providers to take action and connect regarding their risk profile to discuss ways to improve it.  Our ultimate goal is to control insurance costs by using the risk rating to support the improvement of the group’s performance overall.
In 2022/23, the ratings were assigned for reference purposes only. The financial component of the risk rating is being implemented gradually over the next several years. This will offer providers an opportunity to improve their risk profile where warranted.
We encourage you to review your rating. Should you have any questions about it, please contact us by email   

FAQs about Risk Ratings

D&O Hotline


When calling, please be prepared to provide your HSC policy number and identify HSC as the named insured.

What’s Included:

This 24/7 hotline provides general information about Canadian laws, such as employment law, contracts, taxation, real estate, consumer law and limitation periods. It can also offer HR support on hiring, absences/leaves, safety, discrimination, immigration, benefits and temporary employees. The call is confidential, providers can access the services as often as needed and it will not impact your premiums by accessing it for support.

What’s not included:

Please note that lawyers providing legal assistance services will not provide legal opinions or represent providers. The legal assistance services does not cover insurance law or criminal law.  In the event of a D&O claim, please click here for details on how to report a claim.

Tenant Insurance Program

Many tenants do not realize that their landlord’s insurance does not cover them or their belongings in the event of a fire, flood, theft or other catastrophe. When tenants are displaced from their units, there are many who cannot afford to pay for temporary accommodation; this difficult situation often forces the provider and Service Manager to scramble to make arrangements. And major losses can also affect a provider’s claims history and risk profile, making their building insurance more expensive.

HSC’s Tenant Insurance Program is a low-cost and hassle-free program that benefits both community housing tenants and reduces risks for the housing provider. 

Benefits for tenants include:

  • Covering temporary living expenses (e.g. accommodations, medicines, meals) if a covered loss displaces them. 
  • Replacing damaged property.
  • Protecting them if their actions injure other tenants or damage the provider’s property.

For housing providers, tenant insurance helps control premiums because claims costs can be re-couped from the tenant’s insurer, if the tenant(s) was negligent in causing the loss. HSC’s Group Insurance Program also offers a discount for housing providers who make tenant insurance mandatory. 

HSC Tenant Insurance is available for community housing residents in Ontario, Manitoba, Saskatchewan and Alberta. To request brochures, posters or tenant information sessions, contact us

Risk Management Training 

HSC offers educational opportunities to social housing providers seeking to improve their risk management practices. We work with Service Managers to provide formal and informal sessions on practical risk management for front-line staff and groups of providers, covering topics that include:

  • Fire safety
  • Emergency planning
  • Directors & Officers risk
  • Mould remediation
  • Sector Best Practices… and more.

If you are interested in hosting a session, contact us.

For tips on risk management and insurance sector trends, sign up for our Managing Risky Business Newsletter 

Insurance Reference Group

The Insurance Reference Group is an advisory committee made up of member representatives (including Service Managers and housing providers of different sizes) and risk management experts. The Insurance Reference Group works to continually improve the quality of the HSC Group Insurance Program by providing focused feedback based on user experiences.

Current Members are:

  • Kevin Bradley, General Manager, Ajax Municipal Housing Corporation
  • Rebecca Carman, Housing Services Manager, County of Northumberland
  • Georgina Daniels, Director of Corporate Services,  Thunder Bay District Social Services Administration Board 
  • Tina Gardiner, Risk Manager, Regional Municipality of York
  • John McDonald, Manager, Loss Management, Peel Housing Corporation – Peel Living
  • Andrea Norris, Senior Manager, Strategic Sourcing and Corporate Services, Ottawa Community Housing Corporation
  • Anita Tsang-Sit, Director of Risk Management & Insurance, Toronto Community Housing Corporation 

Existing Clients

Client Questions

Marsh Canada is the broker for the HSC Group Insurance Program. For inquiries regarding your insurance coverage or changes to your account please contact:

T: 416.349.6697/1.888.768.9887
F: 416.349.4551/1.888.336.6629

For questions on the Alternate Broker Process or all other inquiries contact