We have the knowledge, the expertise, and the coverage that's right for your organization.

For over 30 years, HIROC has been the leading provider of medical malpractice liability insurance and other risk-financing solutions for the Canadian healthcare sector.

Our promise to our subscribers is to provide responsive and broad-based coverage at competitive premiums while remaining true to our jointly held focus on quality and healthcare safety.

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

Partner with us today. Help us get to know your organization’s needs – request a quote

Did you know: HIROC is a non-profit reciprocal owned and governed entirely by our subscribers – we work for you! Our products and services are based on the continuous input of our subscribers.

The Reciprocal Model Works For You

As a non-profit, HIROC does not pay income tax, broker or agent commissions. Any profit or excess surplus is returned to our subscribers – over $200 million since our inception.

We partner and provide comprehensive insurance coverage exclusively to healthcare organizations from coast to coast. These organizations include:

  • Regional health authorities
  • Hospitals (acute care, community, rehabilitation, teaching, etc.)
  • Midwifery practice groups
  • Community organizations
  • Long-term care facilities 
  • Associations
  • Regulatory colleges
  • Family health teams
  • Healthcare supply chains

The Right Coverage

HIROC's comprehensive policy includes:

  • Medical Malpractice 
  • Cyber Risk 
  • Commercial General Liability
  • Directors & Officers 
  • Errors & Omissions 
  • Environmental Impairment Liability 
  • Non-Owned Automobile 
  • Media Liability 
  • Crime & Fidelity 
  • All-Risk Property 

As your one-stop-shop, we also provide coverage through our brokerage. Additional speciality lines include:

  • Excess Property & Equipment Breakdown
  • Excess Cyber Risk
  • International Clinical Trials & Consulting
  • Foreign Jurisdictions & Admitted Paper
  • Travel & Occupational Accident
  • Events Liability & Participant Accident
  • Construction Projects
  • Owned & Garage Automobile
  • Legal Expense

Are you looking for something else? Request a quote and let's connect.

Midwives matter to HIROC

We know midwives play a pivotal role in our healthcare system and we want to partner with you! HIROC provides insurance products and services to meet the unique needs of midwives across the country.

We provide coverage to:

  • Midwife associations
  • Midwifery practice groups
  • Midwives practicing in AB, SK, MB, ON, NB, NL, NS., PEI, NWT


To request a Third Party Certificate of Insurance, please log in to the MEMBERS PORTAL and select REQUEST CERTIFICATE OF INSURANCE from the drop down menu. Once you have the form open, you must save the document to your computer. Upon completion of the form, please email it to [email protected] as an attachment.