Welcome to Health Risk Services

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.


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

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What’s New

  • Pet Insurance

    How much to spend when our pet gets sick is a dilemma many people face. In fact it’s probably a question asked of most pet owners at some point in their “fur baby’s” life and it can be agonizing. Most of the wonderful advancements that have been made in testing and treatments for humans have
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  • Travel Insurance and Cannabis

    Cannabis use has been around for a long time but with the pending legalization in Canada, legal recreational use in 9 states and the District of Columbia (although still illegal federally) it’s got Canadians asking questions about how it will effect their travel be handled by insurance companies. First, cannabis is still illegal in Canada,
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  • Tips for Canadians Traveling Abroad

    Most of us living in Canada are pretty darn lucky. It’s hard to overstate how fortunate we are to have access to warm homes, clean water, and affordable healthcare. Other people living in other countries aren’t always so lucky, and when Canadians travel abroad, it’s important to take our health and the health risks of
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