Business Insurance:

• The Basics: Click Here for an article about business insurance basics
• Property Insurance:
  • may include the Building, Equipment, Stock, Displays etc.
• Liability Insurance:
  • Protects you against 3rd party claims including: Bodily injury & Property Damage
• Equipment Breakdown Insurance:
  • Insurance for the machines that move your business – telephone systems, A/C units, Boilers (anything under pressure), refrigeration units etc.
• Directors & Officers Liability Insurance:
  • Protects you against claims brought upon you for your actions on a board of Directors (for profit and non-profit) – such as wrongful dismissal and discrimination suits.
• Errors & Omissions (a.k.a. Professional Liability Insurance):
  • Protects you against claims brought upon you for your actions as a professional offering professional services including: (Incl. Pharmacists, Paralegals, Software Developer etc)
• Key Person Insurance:
  • Protecting your business from the affects and costs that would be incurred should a partner and/or key employee becomes sick and/or unable to work
• Ocean / Cargo / Marine Insurance:
  • Protecting your stock and product while being transported over land sea and air
• Disability Insurance:
  • Insurance that supplements your income during a period of disability.

Group Products:

• Group Health & Dental Plans:
  • Available for businesses with as few as a single employee
• Group Health Spending Accounts:
  • Predictable funds allocated to staff to pay for various health benefits
• Group RRSP:
  • A perk that helps retain employees by providing them immediate “at source” income tax reduction for increased take home pay.
• Group Home & Auto:
  • a perk that can offer your employees extra discounts for their home and auto policies. Minimum groups begin at 200 – 300 people. Especially good for professional associations and alumni groups.
• Group Professional Liability:
  • allows professional organizations to provide liability insurance for its members at a discounts and standardized rate

Personal Insurance:

• Home Insurance
• Condo/Tenant Insurance
• Auto Insurance
• Traditional & non-traditional Life Insurance:
  • Whole life Insurance, Term Life Insurance, Universal Life Insurance
• Critical Illness Insurance:
  • Providing a financial relief to you and the funds to help you recover, should be diagnosed with a critical illness
• Guaranteed Investment Funds for RRSP & RRIF:
  • insuring your money with guarantees at maturity
• Disability Insurance:
  • Insurance that supplements your income during a period of disability.
• Health & Dental Benefits Insurance:
  • health/dental plans available for individuals (ex. people who are employed by contract) priced at group insurance rates
• Children’s Critical Illness Insurance:
  • Includes Children specific diseases – provided you the funds to be there and/or pay for treatment for your child’s critical illness

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