Community Housing Coverage, Inc.

What Community Housing Coverage, Inc. does

Community Housing Coverage, Inc. (CHC) is a Canadian private corporation and administrative entity wholly owned by the BC Non-Profit Housing Association (BCNPHA), created to deliver a sector-led property insurance program to non-profit housing providers in British Columbia. The company does not act as an insurer; instead, it operates a Self-Insurance Retention (SIR) Fund model in which a portion of members' premiums is pooled to absorb claims from the deductible up to $250,000 before traditional insurance applies, stabilizing premium volatility and retaining value within the non-profit housing sector. Its core technology is this collective self-insurance architecture, supported operationally by partnerships with HUB International (insurance brokerage), Coast Claims (claims handling), and EasyInsure (digital tenant insurance platform for the Tenancy Program).

CHC offers two products: the Property Program, which provides property insurance coverage and SIR Fund participation for non-profit housing operators across BC, and the Tenancy Program, launched in 2024 with HUB International, delivering streamlined digital tenant insurance via the EasyInsure platform. Membership is gated by BCNPHA affiliation (membership starts at $180/year), creating a closed distribution channel anchored to a single trade association. The company serves a narrow customer base — 40–45+ non-profit housing providers covering 335+ buildings and 8,859 units as of first-year results — concentrated entirely in British Columbia, including supportive housing, senior housing, and family/individual housing providers in urban, community, and rural settings. In its first year of operation, CHC returned over $1.5 million to members through the SIR Fund mechanism.

The business model combines recurring premium contributions to the SIR Fund with brokerage and managed-service revenue streams routed through HUB International. Pricing is quote-based and not publicly disclosed; non-profit housing providers typically face premiums in the tens of thousands annually prior to CHC intervention. The company is governed by a five-member board drawn from BCNPHA member organizations and insurance/risk specialists, and operates with a four-person leadership team led by CEO Bryan Woo (who is concurrently Managing Director of BCNPHA), Interim President Frank Chong, Director of Finance David Kwong, Director of Operations and Client Services Gaby Ortiz, and Client & Program Manager Savannah Foo.

Name

Community Housing Coverage, Inc.

Legal name

Community Housing Coverage, Inc.

Website

https://communityhousingcoverage.ca

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Community Housing Coverage, Inc. is a BCNPHA-owned Canadian insurance program administrator that pools non-profit housing providers' premiums into a Self-Insurance Retention Fund to stabilize property insurance costs and runs a digital Tenancy Program for tenant coverage in British Columbia.

Ownership category

akta.pro rank

Product category

Non-Profit Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Non-profit insurance programs
• Property insurance coverage
• Tenant insurance solutions
• Self-insurance retention fund
• Housing risk management

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Premium Contributions to SIR Fund: A portion of members' insurance premiums (which they pay anyway through their regular insurance) is set aside in a shared Self-Insurance Retention (SIR) Fund. This fund covers claims from the deductible up to $250,000 before traditional insurance applies. The model is designed to reduce premium volatility and keep value within the non-profit housing sector.
2. Insurance Brokerage Services: CHC partners with HUB International, a large insurance brokerage, to provide access to insurance products and licensed brokers. HUB International brings market access and expertise to ensure CHC clients receive tailored insurance solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Community Housing Coverage (CHC) operates a sector-built, member-owned insurance program for non-profit housing providers in British Columbia. The company offers a Property Program that uses a Self-Insurance Retention (SIR) Fund—where a portion of members' premiums is pooled to cover claims from the deductible up to $250,000 before traditional insurance applies—and a Tenancy Program that delivers streamlined digital tenant insurance through the EasyInsure platform in partnership with HUB International. CHC is not an insurer itself but works alongside brokers and insurers to stabilize premiums and keep value within the non-profit housing sector.

Product overview

Community Housing Coverage (CHC) operates as a sector-built insurance program offering two interconnected core products: the Property Program for building coverage and the Tenancy Program for tenant insurance. The Property Program uses a Self-Insurance Retention (SIR) Fund model where member premiums contribute to a shared fund that covers claims from the deductible up to $250,000 before traditional insurance applies. The Tenancy Program provides a streamlined digital solution for tenant coverage. Both programs work alongside existing insurance brokers, with HUB International serving as the insurance brokerage partner, and are designed to keep non-profit dollars working within the sector.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Program Property insurance coverage designed for non-profit housing providers that stabilizes premiums, expands coverage, and keeps savings within the sector through the Self-Insurance Retention (SIR) Fund model. Members' premium contributions are pooled in the SIR Fund to absorb claims within the threshold before they reach traditional insurers.
• Tenancy Program Digital tenant insurance solution delivered through the EasyInsure platform, enabling tenants of non-profit housing providers to obtain coverage while reducing administrative burden for housing providers. Developed in partnership with HUB International.

Quantifiable outcome

• $1.5M returned to members
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Five partnerships are on record, tiered core and support.

• HUB InternationalcoreStrategic or Co-development PartnerHUB International is one of the world's largest and most experienced insurance brokerages, recognized for extensive experience in property risk management and an invaluable network of leading insurance providers. As CHC's trusted insurance brokerage partner, HUB provides licensed brokers, market access, and expertise to ensure every CHC client receives expert, tailored insurance solutions. The partnership enables the Tenancy Program delivered through EasyInsure platform.
• BC Non-Profit Housing Association (BCNPHA)coreStrategic or Co-development PartnerCHC is an administrative entity wholly owned by BCNPHA, created to provide exclusive property insurance services and expertise to non-profit housing providers in BC. BCNPHA membership is required to join CHC, with memberships starting at $180 annually. BCNPHA serves as the umbrella association for non-profit housing providers in BC, having provided members with preferred insurance rates since 2006.
• BCNPHA Members (Housing Providers)coreStrategic or Co-development PartnerCHC is guided by its members who are engaged through BC in the non-profit housing sector. In a sector-led model, organizations directly involved in the sector take the lead in decision-making, planning, and implementation. The board is comprised of BCNPHA members who evaluate program steps based on claims performance.
• Coast ClaimssupportImplementation/ SI/ Consulting PartnerCoast Claims serves as CHC's third-party claims handler. Housing providers are directed to report incidents directly to Coast Claims at 1-866-694-3111 or [email protected] for claim assistance.
• EasyInsuresupportTechnology or IntegrationEasyInsure is the digital platform used for the CHC Tenancy Program, enabling streamlined digital tenant insurance enrollment. The platform makes it simple for tenants to get coverage while easing administrative work for housing providers.

Scale indicators8 records

Recent moves8 records

Expansion highlights1 record

Others

• HUB International: HUB International is CHC's strategic insurance brokerage partner and one of the largest brokerages in North America, providing licensed brokers, market access, and property risk expertise to CHC and its members.
• Canadian Housing and Renewal Association (CHRA): CHRA is the national housing association for non-profit housing providers in Canada, an analog to BCNPHA at the national level and a potential channel for CHC's geographic expansion.

Regional players

• BC Housing: BC Housing is the provincial crown corporation that oversees and partners with non-profit housing providers across British Columbia, overlapping with CHC's customer base of BC non-profit housing operators.

Direct peers

• CapriCMW Insurance Services: CapriCMW is a large Western Canadian insurance brokerage serving institutional, non-profit, and commercial clients, comparable to CHC's brokerage-led delivery model in BC.
• Nonprofits' Insurance Alliance of California (NIAC): NIAC is a non-profit insurance pool that provides property and liability coverage to non-profits in California, operating a similar sector-led, member-driven model akin to CHC's approach for BC's non-profit housing sector.
• Housing Authorities Risk Retention Pool (HARRP): HARRP is a risk retention pool that provides property, liability, and other insurance coverages to public housing authorities across the US, structurally analogous to CHC's shared-fund insurance program for housing providers.

Emerging players

• Square One Insurance Services: Square One is a Canadian online-focused property and tenant insurance provider, comparable in its digital delivery of tenant/home insurance to CHC's Tenancy Program and EasyInsure platform.
• EasyInsure: EasyInsure is a Canadian digital insurance platform that powers CHC's Tenancy Program, and offers adjacent online commercial and tenant insurance products across Canada.

Broad incumbents

• Marsh Canada: Marsh is a global professional services and insurance brokerage firm with a strong Canadian presence, offering property and casualty brokerage to large institutional clients including housing providers.
• Aon Canada: Aon is a global insurance and reinsurance brokerage with a Canadian practice serving public sector, non-profit, and corporate clients with property risk management and brokerage services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CommunityHousingCoverage
• LinkedInlinkedin.com/company/community-housing-coverage-inc
• Instagraminstagram.com/communityhousingcoverage

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Housing Coverage, Inc.