A man looks our over a farm with silos. The man is holding a tablet.

Our purpose at work

As a purpose-built, mid-to-large commercial insurance provider rooted in co-operative values, we’ve always believed that by protecting Canadian businesses we’re able to better protect the lives, families, and communities they impact. 

Our risk solutions and insurance products are competitive, but there’s so much more that sets us apart. Sovereign is not just a commercial insurer – we’re your partner in resilience.  We offer advice, education, and ongoing support as you navigate the complex risks within your industry, and those unique to your business. We also recognize that our responsibility to our clients, partners, employees, and society extends far beyond a policy. Risk protection is just the start.

What we do

We work with our dedicated partners to provide breakthrough risk solutions to ever-evolving business needs.

Why we do it

We’re passionate about building a stronger Canada through resilient businesses and the communities they serve.

How we do it

We live our values of partnership, expertise, progress, and inclusivity every day.

Financial Strength

As a wholly owned subsidiary of Co-operators General Insurance Company, our clients get the best of both worlds: all the benefits of working with a boutique sized, agile company and the financial strength of one of Canada’s largest P&C insurers.

As of 2022, Co-operators General Insurance Company has:

  • $9 billion in assets
  • $4.4 billion in total Gross Written Premium
  • Net income of $375.7 million
  • 7.4% Revenue (GWP) growth

 Sovereign is proud to carry an AM Best A (Excellent) rating.


We see the people behind the policy

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The Sovereign Difference



One of the many benefits of being part of The Co-operators Group of companies is belonging to an organization that is guided by principles and values. We’re focused on developing strong relationships and building value for our partners and clients, today and into the future. This long-term thinking allows us to build strong products and services that will enhance the resiliency of Canadian businesses against new and emerging risk exposures. 



We believe in true partnership - where we dynamically work together to find the best solutions to meet the needs of Canadian businesses in ever-changing environments.



Rather than trying to be everything to everyone, we have expert knowledge in particular industries, categories, and segments. 



We aren’t afraid to push the boundaries of a staid and conservative industry towards the vision we believe is right.



We believe in fostering an inclusive and diverse environment, where our partners, employees, and clients can grow to their full potential.

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