Housing providers benefit from the Power of the Group by having access to other low-cost products and services that help mitigate and manage risk. Like the Group Insurance Program, HSC has tailored these offerings to meet the needs of the community housing sector. These include:

    • Tenant Insurance

    HSC’s low-cost tenant insurance offers benefits to residents and providers:

    • Personal property coverage helps tenants pay to repair or replace damaged contents in the event of an insured peril
    • Providers get up to 5% off their property insurance if they require tenant insurance in their buildings
    • HSC can help providers market tenant insurance by providing brochures at no cost
    • Temporary living expense coverage provides peace-of-mind for tenants by taking the worry out of the immediate aftermath of an incident if their units are uninhabitable – by covering hotel bills, meals, and moving costs. It also takes pressure off providers and Service Managers to address this issue.
    • Providers benefit from tenant liability coverage, which affords the potential of offsetting replacement and repair costs, if they are the result of tenant negligence.
    Learn more about HSC tenant insurance
    Download/Order brochures

    Common Room Insurance

    Renting out your common rooms to tenants or community groups for one-time events like parties or meetings is a great way to bolster community spirit in your buildings, but it can put your organization (or the event hosts) at risk if anything goes wrong. You may be liable for injuries, damage, or deaths that could occur as a result of events in your common room. This can result in increased insurance premiums or legal costs for your organization.

    Common Room Insurance offered by HSC and Marsh Canada helps you protect yourself from liability during one-off special events and ensures that party hosts are protected as well.

    Download Brochure and Application Form

    Building Valuation Services

    In the event of a property loss, being adequately insured is critical. It prevents situations where the cost of restoring/repairing a building is greater than the declared value of the property itself – and where your organization must cover the shortfalls.

    It is important to review your valuations annually and to ensure what is on your renewal application is accurate. To assist you in this, Marsh offers low-cost desktop building valuations. At a cost of $500 plus tax per building, this service is:

    • Trusted by insurers, true valuations are completed by valuation professionals and use methodologies approved by underwriters
      • Affordable, costing approximately a quarter of the cost of some property valuations
      • Convenient, with no visits to host or schedule. MRC experts are also available to help you complete forms
    Building Valuation Brochure
    Building Valuation Guide
    Building Valuation Data Collection form