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


    What is LGBTQ2+ and what is the +? LGBTQ2+ is an abbreviation that includes: lesbian, gay, bisexual, transsexual, transgender, two-spirited, intersex, quest, questioning and asexual. One of the most frequent seen usages is LGBTQ. To say that parenting is a journey of continued learning and unique experiences may be one of life’s biggest understatements. There
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  • Explanation of Canadian Insurance Types

    Refer to the following for an explanation about the types of Canadian insurance we offer. If you have any questions please feel free to contact us. – Individual & Family Insurance– Group Insurance (Employee Benefits)– Travel Medical Insurance– Disability Insurance– Critical Illness Benefits Individual Health, Dental InsuranceIndividual health insurance is also known as personal, or family, health insurance. It supplements your provincial health care
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  • Emergency Medical Travel Insurance

    We hear about many Canadians who travel out-of-province and internationally without health insurance. Often, things go according to plan: they come home healthy, and everything is fine. Sometimes, they aren’t so lucky. Emergency medical travel insurance protects Canadians who are travelling outside of their province from the medical costs of illness and injury. Our emergency
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