Business

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We create truly innovative and cost effective solutions for your business needs. Our focus is with small and medium sized companies to develop strong and loyal relationships with our clients.

Whether you are looking for a review of your employee benefits plan or structuring the funding for a shareholder’s agreement we have the team and expertise to help. We have over 27 years of experience in the business marketplace as an independent broker with access to all major Canadian insurance carriers.

Human Resources Needs

Employee Benefit Plans

  • This includes traditional insured benefits as well as Administrative Only Services (ASO) and Health Care Spending Accounts (HCSA) plan designs.

Group Retirement Services

  • Pensions
  • Group RSP’s
  • Deferred Profit Sharing Plans.

We use a customized approach to understand your needs through the following tools:

  • Identifying corporate goals and how HR programs can be developed..
  • Employee surveys.
  • Market survey of existing group plan to ensure competitive rates.
  • Review of HR policies to ensure liability and labour standards concerns are addressed.
  • Recommendations for cost containment through plan design changes.
  • Ongoing management of group plans.

Employee insurance services

  • Corporate Insurance & Succession Planning Needs
  • Buy/Sell agreement funding.
  • Key Person Insurance for Life, Critical Illness and Disability.
  • Capital Gains Liability funding.
  • Corporate Asset transfers.
  • Shared Ownership plans.

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