Our Dime - The Co-operators Insurance Provider

The Co-operators

Ultimate owner (capital): The Co-operators Group Limited

Insurance Provider

Mutual

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True North

80%

Capital: Canada

Capital: Canada (profits)

Control: Canada

Control: Canada (decisions)

The Co-operators achieves a high True North score due to its domestic legal anchoring and cooperative structure. Profits and strategic decision-making likely remain in Canada, though operational processing and reinsurance details are inferred from identity signals. The overall score reflects a strong alignment with Canadian economic retention.

Vector Breakdown

Inputs

low

10 /20

Sector identity suggests domestic infrastructure and float investment, though reinsurance and risk retention geography are not publicly quantified.

Capital

Capital (profits)

medium

40 /40

Canadian legal entity signal and cooperative structure suggest profits remain domestic; ultimate ownership beyond the group level is not fully verified.

Control

Control (decisions)

medium

20 /20

Strategic control and underwriting authority likely remain domestic based on Canadian legal entity signal; specific governance details are not verified.

Operations

medium

10 /20

Canadian entity signal suggests a domestic operational footprint, though claims adjudication and processing locations are not specifically verified.

Brands & Product Lines

The Co-operators

ON, QC, BC, AB, MB, SK, NB, NS, PE, NL

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