The Co-operators Group Limited has announced that it now offers storm surge insurance to homeowners in Quebec and Manitoba. The Co-operators Comprehensive Water insurance provides protection from the most common causes of residential flood and water damage, including storm surge, overflowing lakes, rivers and creeks, and sewer or septic backup.

Storm surge, which includes rising water levels and waves caused by storms, presents a significant flood risk, especially in coastal regions where extreme weather patterns have intensified with the changing climate. The product also launched in Manitoba, completing the cross country roll out to homeowners from coast to coast.

“Overland flooding has been identified as the most pervasive and costliest cause of damage to Canadian homes, yet most are inadequately protected against this growing risk. As a co-operative, it’s our priority to protect the financial security of Canadians. This is why we first introduced overland flood insurance in Canada,” said Rob Wesseling, president and CEO of The Co-operators. “Today, we are thrilled that this product is available to all Canadian homeowners, even those at the highest risk, adding another layer of protection and providing peace of mind for those who need it most.”

According to a study by Partners for Action Network, 94 per cent of Canadians living in high-risk flood zones are unaware of their risk.

In 2015, The Co-operators became the first Canadian insurer to offer overland flood insurance in Alberta and expanded this coverage to Ontario in 2016. More than a quarter of a million Canadians are covered by the organization’s Comprehensive Water product. The model The Co-operators uses to predict flood risk is recognized as one of the most advanced in Canada, and incorporates data on elevation, soil, rainfall, river flow, government-controlled defences like dams and channels, and other factors that help predict areas at risk of flooding.

To get a personalized flood assessment and find out about available coverage, you can visit



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