Small Businesses

A team meeting around a large conference table — representing small businesses reviewing group benefits options.

Small businesses rely on great people, and offering benefits is one of the strongest ways to attract and keep them. Whether you have a team of two or twenty, we can build a plan that fits your budget and supports your employees’ wellbeing. Coverage is flexible, scalable, and designed to grow with your business. With the right benefits in place, your team stays protected — and your business stays competitive.

A group celebrating around a computer — representing small business teams using employee benefits to support staff retention.
A smiling waitress and café manager — representing small business owners in hospitality needing employee benefits coverage.
A client receiving a manicure — representing salon and spa owners seeking affordable small-business health and dental plans.
Construction workers in safety gear discussing plans — representing trades businesses needing group benefits and WSIB-aligned protection.

Who Qualifies

  • Incorporated businesses with employees

  • Small teams (2–9 employees)

  • Family-run businesses

  • Start-ups and early-stage companies

  • Trades & contractors with multiple workers

  • Beauty & wellness businesses with staff

  • Tech, service, hospitality, retail, and more

Two people hiking on a dirt trail through a natural landscape during sunset, wearing outdoor clothing and sandals, one person with a walking stick.

What You Can Offer Your Team

  • Health & dental coverage

  • Prescription drug coverage

  • Health Spending Accounts (HSA)

  • Employee Assistance Programs (EAP)

  • Vision, specialist care & paramedical services

  • Optional life, disability, and critical illness

  • Flexible plans that grow as your team grows

A woman at her desk looking at her smartphone — representing individuals comparing life and health insurance options online.

  • Most plans start with as few as 2 people, and some carriers allow even more flexibility, especially for family-run companies or businesses with part-time staff.

  • In many cases, yes. You can often create different plan levels (for example: owner, management, staff) so every part of your team gets the support they need while keeping the plan affordable.

  • A Health Spending Account (HSA) is a tax-free account funded by the business that lets employees claim eligible health expenses. It’s flexible, easy to manage, and allows you to control costs while still offering meaningful support.

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