Home Travel Insurance Cost Calculator Health Insurance Group Benefits Critical Illness Estate Planning RESP & RRSP Get a Free Quote
Home Travel Insurance Cost Calculator Health Insurance Group Benefits Critical Illness Estate Planning RESP & RRSP Get a Free Quote
Cover & Protect insurance
🏢
🏢 Group Benefits · Ontario Small Business

Benefits Your
Team Will
Value.

Attract and retain great employees with an affordable group benefits plan. We design customized health, dental, disability, and life packages for Ontario businesses of all sizes — starting with as few as 2 employees.

Group Benefits
Group Benefits
Attract and retain talent with the right plan
Why Group Benefits

Good Benefits = Good Business

🎯

Attract Top Talent

In today's competitive job market, benefits are often the deciding factor. A solid group plan makes your offer stand out against larger employers.

🔄

Retain Your Team

Employees with benefits are significantly less likely to leave. Reducing turnover saves thousands in recruiting and training costs every year.

💰

Tax Advantages

Group benefit premiums are a deductible business expense. Employees also receive most benefits tax-free — a win for both sides of the payroll.

💊

Healthier Employees

Workers with dental and drug coverage seek preventive care earlier, reducing sick days and improving overall productivity across your team.

🏆

Competitive Edge

Even small businesses can offer Fortune 500-level benefits. Group purchasing power means your team gets better coverage than buying individual plans.

📋

Simple Administration

Modern group plans come with online portals and digital claims. Minimal paperwork for you as the employer — maximum value for your team.

Plan Options

Flexible Plans for Every Business Size

🌱

Starter Plan

Entry-level group coverage for small teams of 2–10 employees. Core benefits that make a real difference without straining your budget.

Basic health & drug coverage Preventive dental (cleanings, X-rays) Vision care allowance Life insurance (1x salary)
💎

Comprehensive Plan

Full-suite group benefits for established businesses competing for senior talent. Maximum coverage, maximum employee satisfaction.

Full health, dental & drug (90–100%) Long-term disability insurance Critical illness coverage Travel emergency assistance RRSP/DPSP employer contributions Mental health & wellness programs
👤

Solo / Incorporated

Business owners without employees can still access group-style benefits through incorporation. Optimize your personal health coverage as a tax-deductible business expense.

Health Spending Account (HSA) Wellness Spending Account Dental & drug coverage Tax-efficient structure
🏗️

Contractor / Trades Plan

Specially structured for construction, trades, and labour-intensive businesses with mixed employee and subcontractor workforces.

Flexible eligibility rules Short & long-term disability Workplace injury supplemental Basic health & dental
🔧

Custom / Association Plan

For professional associations, unions, or businesses with unique workforce structures. Fully customized benefit design around your needs.

Tailored coverage design Association group pricing Flexible waiting periods Multi-location support
How It Works

From Quote to Coverage in 4 Steps

1

Free Consultation

We learn about your business, team size, and benefit goals — no obligation.

2

Market Comparison

We shop your plan across all major carriers and present the best 2–3 options.

3

Plan Design

We customize coverage levels, waiting periods, and contribution splits to fit your budget.

4

Enrollment & Launch

We handle the paperwork and onboard your employees — typically live within 2–4 weeks.

Our Group Benefit Partners

Canada's Top Group Carriers

Independent access to all major group benefit insurers — we find the best fit for your team size and industry.

🏦
Canada Life
Group Leader
🏦
Manulife
Group & Flex Plans
🏦
iA Financial
SMB Specialist
🏦
Desjardins
Group Benefits
🏦
Empire Life
Group & Individual

Let's Build Your
Team's Benefits Plan

Tell us about your business and we'll compare group benefit options from our full carrier panel — typically delivered within 48 hours.

👥
As Few as 2 Employees
Most carriers require only 2 eligible employees to set up a group plan
💰
Tax Deductible Premiums
Group premiums are a fully deductible business expense in Canada
Live in 2–4 Weeks
From quote approval to team enrollment in as little as 14 business days

Group Benefits Quote

Tell us about your business and team.

✅ Request received! We'll prepare your group benefit comparison within 48 hours.

Confidential · FSRA Licensed · No obligation

📅
Book a Free 30-Min Consultation
Speak directly with a licensed Ontario advisor — no obligation, no pressure
Book Free Consultation →