About Us

Healthcare Insurance Reciprocal of Canada (HIROC) works in partnership with healthcare organizations across Canada to create meaningful and productive change resulting in greater safety, a reduction in claims and incidents, and improved system efficiency.

HIROC works to bring about these changes by providing stable and cost-effective medical malpractice liability insurance, claims management expertise and innovative risk management services. Through our insurance brokerage, HIROC Insurance Services Limited, we are able to provide our subscribers with the full range of insurance products and services.

HIROC is an insurance reciprocal, an arrangement whereby members, called subscribers, are in the same business and agree to share losses. We provide services exclusively to Canadian not-for-profit healthcare organizations.

HIROC is owned and controlled by its subscriber organizations and does not pay income tax, broker or agent commissions and, therefore, any excess surplus funds are returned to subscribers. Since inception, we have returned over $76 million to our subscribers.

Founded in 1987 with 52 healthcare organizations in Ontario, HIROC has expanded to over 500 subscriber organizations across Canada. Our subscribers represent the breadth of Canadian healthcare and include regional health authorities, hospitals, long-term care facilities, community health centres, homecare organizations, associations and regulatory colleges.