Commercial Insurance
HED Insurance and Risk Services, in partnership with the CVMA, is proud to be the endorsed provider of a specialized insurance program with risk management services for CVMA members across Canada. For over 25 years, HED has specialized in helping Canadian associations, buying groups, and independent businesses save money while providing the right level of coverage through a specialized group insurance program. We are here to help you with your insurance needs.

Our Guarantee to You

• We will understand your business and the risks you face.
• In conjunction with the CVMA, we have created a specialized insurance program for Canada's veterinary clinics.
• We will work with you to determine the “right” level of coverage to meet your particular needs.
• We will provide consistent and ongoing Canada-wide sales and service support for your insurance needs.
• As a participant in the CVMA insurance program, you have the benefit of strength in numbers with preferred group rates.
• The CVMA insurance program will provide each member with immediate premium savings and long-term rate stability.
• The program will provide an opportunity for rebates paid directly to participating members.
• All participating members under the program will have an HED representative review current coverage limits, including building evaluations, and provide coverage recommendations.

• Immediate Savings – Immediate guaranteed 20% average premium
  savings for new and existing CVMA commercial insurance participants.
• Long Term Rate Stability – Members' future premiums are based upon program claims, not on insurance market savings.
• Ownership of Premiums – 40% of premiums owned by participating CVMA members; fund pays defined portion of claims; any balance after claims of each year’s fund belongs to insured members; average rebate/surplus 7.9% per year based on actual past 4 years claims.
• Proven Structure – Protected self-insurance structure same as Alberta Hotel & Lodging Association, Manitoba Hotel Association, Sobeys stores across Canada, and Canadian Rental Association.
• Complete Insurance Protection – Insurer pays all claims over the annual deductible fund; no deficit or retroactive assessment can occur in this self-insurance fund.
• Administration – Underwritten by Grain Insurance and Guarantee Company; risk management, loss prevention and building evaluation service; consistent claims handlers with control adjusters and lawyers under HED’s direction on CVMA’s behalf.