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Retrieving unclaimed property

Unclaimed property is generally defined as a liability that a company (“holder”) owes to an individual or entity (“owner) when a debt or obligation remains outstanding after a specified period of time. For insurance companies, common types of unclaimed property results from un-negotiated premium refund or claims cheques. If the payee or owner does not negotiate the cheque, his property rights may be protected by provincial unclaimed property legislation.

The Sovereign General Insurance Company[1] will make reasonable efforts to contact our clients and return unclaimed property; however, there are times when the funds remain unclaimed. To view the listing of names of all individuals currently owed an outstanding debt or obligation by The Co-operators Group Limited (CGL) and/or its subsidiaries, including The Sovereign General Insurance Company, please click here.

If you have reason to believe that we may hold unclaimed financial property on your behalf, please contact us at Please provide your full name, current mailing address, daytime telephone number, and policy/claim number. We will search the database for your name and contact you within three business days.


[1] The Sovereign General Insurance Company is a member of the Co-operators group of companies.