Welcome to Health Risk Services

At Health Risk, we put our clients in the driver’s seat!

We empower employers and their teams by providing fully customized employee benefit and retirement solutions. Every business is different, so one-size fits all benefit plans often don’t work as well as they should for you and your staff.


Let Health Risk Services be your “One Stop Shop Boutique” for Customized Group Benefits & Retirement Plans, Corporate & Executive Insurance Strategies as well as Personal Insurance solutions.


Health Risk Services is a Calgary-based, full-service Insurance Brokerage and a Third-Party Administrator. We create, implement and manage innovative Insurance Plans and customized Health Benefits Plans. We provide flexible and cost-effective alternatives to the basic one-size-fits-all industry products. And we do this one client at a time.

For more than 18 years, we’ve been working with clients like you – employers and their employees, the self-employed and individuals and their families – from across Canada. Unlike insurance companies who require a minimum of three to five employees, we have no size minimum or maximum; we create Plans for the self-employed and businesses with one employee or hundreds of employees.

We pride ourselves on bringing the human touch to all our business relationships and interactions, in an industry notorious for one-size-fits-all products and impersonal insurance providers. We’re hands-on and accessible year-round – not just at renewal time. We’re here to help our clients and their employees – in any way we can – get the full value of their benefits in a fair and timely manner.

Our Policy is our PROMISE of CARE – that as your Benefits Partner, we will always be here to support you, your company and your employees, by providing the best experiences possible through both good and difficult times.

Our Value Propositions


We provide customized solutions – one client at a time – versus one-size-fits-all products.

Why Choose Health Risk Services

For Employers

For Self-Employed

For Individuals and Families

Insurance Brokerage



Group Insurance

Corporate Business Insurance

Secure Me

Video Testimonial

What’s New

  • Mental Health…..Work-related risk factors for health

    An estimated 264 million people suffer from depression globally, one of the leading causes of disability, with many of these people also suffering from symptoms of anxiety. A recent world-wide global study estimates that depression and anxiety disorders cost the global economy US$ 1 trillion each year in lost productivity. Unemployment is a well-recognized risk
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  • Our guide to travel insurance…

    The snow is flying and temperatures are dropping. So you don’t need a calendar to tell you it’s time to head south. Well, if that’s what you’re planning—be assured that you’re going have plenty of company if 2019 travel patterns to date are any guide. Though some of Canada’s TV networks were questioning the dearth
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  • Winter Travellers: Expect the Unexpected With Some Mexican Hospitals

    Planning a winter vacation to one of Mexico’s popular destinations: Cancun, Los Cabos, Mazatlán, or Puerto Vallarta? The warm weather, the beaches, the R&R…What’s not to love about vacationing at a Mexican hotspot? Not to be a downer, but Claims at TuGo has noticed an increasing number of negative customer experiences with medical emergencies in Mexico—both during
    Read more