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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Video Testimonial

What’s New

  • Who Should get Travel Insurance?

    We hear from Canadians all the time about their cousin, friend, or aunt so-and-so who went on a vacation without insurance and were just fine. We’re sure that’s true, but insurance isn’t there for the times the vacation goes fine and dandy. On the contrary, Health Risk is there for when the plan goes terribly,
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  • 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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  • Don’t Forget to Ask Your Employer About These Benefits

    If you’ve just been offered a new job then let us be the first to offer you a warm congratulations! But before you make your decision about whether to take the offer or not, there are a couple things about Employee Benefits that you should remember to ask about. Vacations If you’re a frequenter of our blog,
    Read more