HIROC exists because of you! We’re a 35 year upstart, still as unique, nimble and proactive as we were when we started.

Formed in 1987 with 53 healthcare organizations who were determined to work together to not only bring positive change to the healthcare sector, but disrupt the insurance industry. The newly formed not-for-profit, known as a reciprocal, was an ambitious undertaking and we’re still thriving today because of our shared purpose.


Partnering to create the safest healthcare system


Committed to providing insurance, risk management and innovative solutions supporting safety and collaboration in healthcare


  • Respect – We respect each other and value everyone’s contributions.
  • Integrity – We operate with high integrity and are ethical in all our dealings. 
  • Care – We care about our subscribers, those they serve, our employees, and our community.
  • Service – We are dedicated to delivering superior service to our subscribers and partners.

Learn more about HIROC

Every business starts with a problem. In the mid-1980s, Ontario hospitals faced a crisis when their liability insurance premiums rose dramatically and one major commercial insurer refused to insure them. Two commissioned reports recommended the formation of an insurance reciprocal, to be known as HIRO (The Hospital Insurance Reciprocal of Ontario). Those early subscribers were tentative (this was completely new), yet excited about the prospect of working with an insurance exchange that was going to specialize in healthcare and was dedicated to helping them reduce and prevent losses.

What We Stand For

HIROC is a trusted healthcare safety advisor, committed to offering a full spectrum of insurance products and support throughout a claim. Combined with sage counsel and risk management solutions, HIROC works with its partners to increase safety.

Healthcare risk management and patient safety are the cornerstones of our work and something that sets us apart from commercial insurers. A diverse set of tools and resources is geared to helping healthcare organizations identify, assess, report and manage their key organizational risks.

The Reciprocal Advantage

Being somewhat of an outsider to the insurance industry is a badge we’ve always worn with pride. Especially since that means saved money for clients. Unlike our commercial competitors, we are a not-for-profit, therefore we do not pay commissions and income tax, and we have lower operating expenses. That translates into a lower cost of insurance for our subscribers.

HIROC is not just a not-for-profit, we are a reciprocal. This means we are governed by our subscribers – a group of over 700 diverse healthcare organizations across Canada.

Our subscribers share in each other’s losses, which is why we maintain a focus on safety. As your trusted advisor, we are here to provide sage counsel to help mitigate risk and reduce loss.

As a not-for-profit, HIROC returns surplus funds to healthcare organizations. Since 1987 HIROC has put over $200 million back into the system – proof of the benefits of participating in the reciprocal.

Our inaugural chairman George N. Speal summed it up when he said, “When you join HIROC, you buy more than an insurance policy, you buy into a philosophy.”

Over the past 32 years, we’ve learned how to work in an industry that has been in constant flux. Our firm connection with our subscribers and commitment to continuous innovation around insurance coverage and risk management products has made us leaders in reducing costs and creating a safer healthcare environment.

The healthcare landscape is always shifting and yet our core purpose and beliefs have not changed. We are still the ‘radical upstart’ reciprocal, built on a foundation of comprehensive insurance coverage, financial stability and professional expertise. That foundation is still our greatest strength and differentiator.

Learn how HIROC works with its partners to in(en)sure healthcare safety!

2020 marked the beginning of a three-year strategic plan for HIROC – one that has driven the work that we do and the partnerships we create. 

Our strategic plan puts people at the centre – our Subscribers, our employees, patients and their families, and healthcare professionals.

This plan is your plan and we’re excited to see where it takes us. But more importantly, through this plan we will continue to partner with you in creating the safest healthcare system. Download our brochure to learn more.

Strategic Priorities

Our priorities have the power to reverberate across the system. Through these goals HIROC will be here to support healthcare organizations navigate an ever-evolving system.

  1. Turning the Corner on Patient Safety

    We will leverage HIROC’s unique relationships and insights into what drives harm and cost in healthcare to develop interventions that increase safety.
  2. Service First – Embracing a Relentless Customer Focus

    We will understand and respond to the insurance and risk management needs of HIROC’s customers at the deepest level.
  3. Building Innovation and Agility

    We will enable and support a culture of innovation through the transformation of our organization, our practices, and our thinking – in service to the needs of HIROC’s customers.

Learn more about our three priorities and what you’ll see in the years to come. 

Together, we can impact Canada’s healthcare system. Let’s turn the corner on patient safety...

HIROC has been partnering with healthcare for 35 years and counting.

Our vision, partnering to create the safest healthcare system speaks to the impact we want to have, and we’re eager and ready to drive change forward with you!

Our work with the Institute for Safe Medication Practices (ISMP) Canada and also Salus Global illustrates how how we partner to help the healthcare system share knowledge and work together to improve outcomes.

Funding Innovation – The Safety Grants Program

In 2018, we re-launched The HIROC Foundation and started the HIROC Safety Grants Program. To-date we've awarded $360,000 to 17 HIROC subscribers with the aim of improving outcomes. 

Working Together to Improve the Safety of Obstetrical and Perinatal Care

HIROC also understands the complexities of labour and delivery, which is why we are proud to partner with the Society of Obstetricians and Gynaecologists of Canada (SOGC) and the Canadian Medical Protective Association (CMPA) as co-owners of Salus Global. Learn more about our collaboration with SOGC, CMPA, and Salus Global

Knowledge Sharing 

HIROC also partners and supports a number of healthcare-related organizations that look to advance patient safety and healthcare risk management. One example – in collaboration with ISMP Canada and other key healthcare partners, we developed the resource Oxytocin to Start or Advance Labour: 5 Questions to Ask

Educational Partners

We are also an educational partner, supporting healthcare events across the country. Because of HIROC's wealth of knowledge, we are proud to partner with organizations like the Canadian Association of Midwives, Healthcare Excellence Canada, Longwoods Notes, and the Ontario Hospital Association (OHA).