HED Insurance and Risk Services

We are risk management consultants, commercial insurance brokers, employee benefits consultants and group program administrators. Above all, we are risk negotiators who buy optimum insurance coverage for clients from responsive and qualified insurance companies.

Although HED is a brokerage, it is best known as an administrator of “Protected Self-Insurance” programs for both Commercial Insurance & Employee Benefits Insurance across Canada. HED's programs provide Canadian independent businesses that are aligned with associations and buying groups with a progressive and unique way to insure their businesses. Through the alternative risk transfer of the protected self-insurance structure, HED's clients are provided with superior coverage, cost savings, enhanced rate stability, and most importantly a level of control over their insurance program that is not available within the traditional marketplace.