Solutions Built for Small Business Owners

We make it easy to secure the right coverage. Get flexible plans that protect your income, support your lifestyle, and grow with your goals.

See Our Solutions

Small Business

How to attract and retain the best employees
Offer a comprehensive employee benefits plan that will entice the best employees to help grow your business

Choose a plan that allows the owner to control costs
How to use corporate funds for personal and family health care
CRA rules permit the use of corporate dollars to pay medical and dental expenses.
How to guarantee business continuation if injury or illness prevents the owner from working
Personal Income Replacement insurance combined with Overhead Expense insurance will secure business continuation while the owner recovers from unexpected injury or illness

business owner sitting at desk looking at tablet

Self-Employed

How to cover your personal expenses if illness or injury prevents you from working
24/7 Income Replacement insurance will guarantee continued income, Tax Free for as long as needed

Stand alone injury benefit includes a feature: Accident Medical Expense Reimbursement Benefit $10,000 – $110,000 available to cover accident medical expenses not covered by OHIP
How to cover Business expenses if illness or injury prevents you from working
Car loans, leases, administrative staff, accounting & legal costs covered by business overhead insurance guarantees business continuation
How to use corporate funds for personal and family health care
Expense medical & dental costs through an individual benefits program, include travel too.

Contract for Service

Are contract workers covered by the employers’ benefits?
No, contract workers are not employees, no employee benefits!

You will need to obtain your own benefits plan

Maximize personal contributions to an RSP and TFSA for retirement savings and future investments
Do I need personal Business Insurance?
24/7 Income Replacement insurance will guarantee a paycheque, tax free for as long as needed in the event of untimely injury or illness that stops you from working

Income Replacement plans that recognize total earned income from all sources are best suited to a professional working by contract
Can a contract worker get a health and dental plan?
Yes, health and dental plans can provide cash for services not covered by your provincial health insurance plan.

GIG Workers

Who is eligible to purchase benefits
People who work on contract

An individual with more than one job, more than one employer

An individual with varying options for income

Part time workers

Hospitality

Entertainment Industry

Home-based entrepreneurs

Freelance

In-home service providers
How do I get benefits when I have more than one job?
Use an insurer that employs calculations for “Gross Revenue” (everything you earned in a year) rather than net taxable income which can be difficult to determine, for an insurance plan to guarantee that if illness or injury prevents you from working, you will survive financially until you are able to return to work.

Guarantee Your Income

In the event of an injury that prevents you from working.

No medicals required. Immediate Issue. Get a quote today!

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Disclaimer: Errors and Omissions Excepted (E&OE)
While we make every effort to ensure the accuracy of the information provided on this website, errors or omissions may occur. Final terms, coverage, and premiums are subject to underwriting approval and will be confirmed in your official policy documents. Please contact a licensed advisor to confirm details.

Solutions Built for Small Business Owners

We make it easy to secure the right coverage. Get flexible plans that protect your income, support your lifestyle, and grow with your goals.

Small Business

Self-Employed

Contract for Service

GIG Workers

More Business Solutions

Insurance Solutions without Medicals

Medical Underwriting

Other Products and Services

Guarantee Your Income

In the event of an injury that prevents you from working.

Contact Us

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