Services Group Benefits
Group Benefits for Ontario Businesses
One plan for your whole team — drug, dental, vision, life, and extended health. Premiums are tax-deductible for the business.
What group benefits cover
A group benefits plan bundles the coverage your employees actually use into one package: prescription drugs, dental care, vision and eyewear, life insurance, extended health services like physiotherapy, chiropractic, and massage therapy, and emergency travel medical. You choose the coverage levels; we structure the plan so it fits your budget.
Why business owners choose it
Benefits are one of the strongest retention tools a small business has. In a tight labour market, "we have a benefits plan" is often the difference between keeping a good employee and losing them to a larger company. And unlike a raise, benefits premiums are generally tax-deductible for the business while most health and dental benefits reach employees tax-free.
Group coverage also solves a problem individual insurance can't: employees with pre-existing conditions are typically covered without individual medical underwriting. For many families, that's the only realistic path to coverage.
Built for 2 to 200+ employees
You don't need a big team. Carriers offer small-group structures starting at two employees, with pooled pricing that keeps small-business plans stable. As you grow, the plan grows with you — adding employees, adjusting coverage tiers, or layering on options like health spending accounts.
How the process works
Tell us about your team — how many people, what coverage matters most, and roughly what you want to spend per employee per month. We shop the group carriers, come back with side-by-side options, and walk you through the trade-offs in plain language. Once you pick a plan, we handle the enrolment paperwork and stay on as your plan's broker: when claims questions or renewals come up, you text us, not a call centre.
Good to know
Frequently asked questions
A broker works for you, not the insurance company. We shop 40+ carriers to find you the best rate and coverage. Direct insurers only sell their own products. With a broker, you get unbiased advice and someone who advocates for you during claims.
No. Brokers are paid by the insurance companies, not by you. There's no additional cost for using a broker, and we often find lower rates because we can compare across dozens of insurers.
Most quotes are ready within 24 hours. For straightforward auto or home insurance, we can often provide a quote the same day. Complex commercial or multi-policy packages may take 2-3 business days.
We serve clients across Ontario. Whether you're in Toronto, the GTA, or anywhere in the province, we can help with your insurance needs.
Absolutely. We work with high-risk insurers as well as standard markets. Whatever your situation — tickets, accidents, or new driver — we'll find you the best available rate.
You call us directly. We'll guide you through the process, advocate with the insurer on your behalf, and make sure your claim is handled fairly and promptly. That's the broker advantage.
Most carriers offer plans starting at just 2 employees. Small-group plans are designed specifically for businesses that want to offer real benefits without enterprise-level complexity or cost. Whether you have 2 employees or 200+, there's a plan structure that fits.
Premiums a business pays for employee group benefits are generally deductible as a business expense, and for employees most health and dental benefits are received tax-free. Your accountant can confirm how this applies to your specific corporate structure — we're happy to work alongside them.
Yes. One of the biggest advantages of group coverage over individual policies is that employees are typically covered without individual medical underwriting, which means pre-existing conditions are generally accepted under the plan's terms.
Yes. Most group plans offer single, couple, and family tiers, so employees can cover spouses and children. Family plans are accepted, and the cost difference is shared however you and your employees agree — fully employer-paid, cost-shared, or employee-paid.
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