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. 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 empower Canadian businesses to succeed by developing and distributing risk solutions they trust and value.

Why we do it

We’re passionate about protecting Canadian businesses and the communities they serve.

How we do it

We focus on what your clients need, not what we have to sell. We help protect them today, and against new and emerging risk exposures.

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 2021, Co-operators General Insurance Company has:

  • $9 billion in assets
  • $4.1 billion in total GWP
  • Net income of $512.4 million
  • 5.1% 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

Short line

  • Tailored coverage limits and terms – with a focus on greater value
  • Complete package solutions – reduces potential for gaps in coverage
  • Exceptional claims experience – keeping you informed throughout the process
  • On-site risk consulting – help strengthen your risk management practices



We believe our ability to deliver the best customer experience is built on positive, engaging relationships. That’s why we put people – our employees, partners and clients – at the heart of everything that we do.



We believe it’s imperative to be guided by an ethical compass. We build trust by working with our partners to help clients select the right protection, understand their coverage and settle their claims promptly and fairly.



We believe in two-way conversations and trying to see things from a different perspective. Our clients and partners benefit when we ask the right questions, understand the full picture and are honest and transparent.



We believe that working together inspires our creativity. That’s why we look for opportunities to form strategic partnerships, respect and listen to each other and value every voice at the table.

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