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business insurance

You've worked extremely hard and sacrificed a lot to make your business dream work. There are many risks owning and operating a business. This is your livelihood. Now, let's protect it and make sure you get the most out of it.

group benefits insurance

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive

insurance at a reduced cost because the insurer's risk is spread across a group of policyholders.


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frequently asked questions

What do I need to include when I submit a claim?

It depends on the type of expense. In most cases, you need to include an itemized receipt and claim form. Some expenses may require additional supporting documentation, such as a physician’s referral.

What sort of medical evidence is required?

Medical evidence is not required for standard group benefit insurance packages unless the non-evidence limit is exceeded (i.e. a large amount of insurance is purchased).  The non-evidence limit varies from insurance company to company and is approximately $1500/month for Long Term Disability and $50,000/per person for life insurance. Generally speaking, the larger the group the higher the non-evidence limit.

How soon can my employee benefits coverage start?

Coverage usually commences on the first day of the next month, provided a cheque for the first months premium has been received and all enrolment and application forms have been approved. Under no circumstances should you cancel any existing insurance policy until you have received written approval from your new insurance carrier.

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