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

  • Private Health Services Plan (PHSP)

    A Private Health Services Plan, also known as Cost-Plus or a Private Health Trust, is an affordable, flexible option for small business owners to provide hospital and medical benefits to their employees, including extended health, dental and vision, and receive preferential tax treatment. Cost effective and tax efficient, Cost-Plus plans can provide up to 100%
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  • Travel Insurance

    Thinking about your summer vacation? Whether you’re going to see The Grand Canal of Venice or the shores of Nova Scotia you need good, comprehensive, travel insurance. One of the things Canadians hold proud is the incredible health care coverage we enjoy as residents. But what most don’t think about is that Canadian health care
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  • Health Spending Accounts

    We’re lucky enough to live in a country that provides great healthcare dependent upon which province you live in, but medical expenses still add up beyond what is covered by the province. That is why business owners provide Employee Benefits – to ensure that their employees have access to additional healthcare such as Prescription Drugs
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