Certainty in experience.

Indigenous

As a specialist in the Indigenous benefit market, we provide coverage requirements that are specific to the needs of our clients.

Whether you are an Indigenous-owned business or have Indigenous employees and dependents on your plan, we have your ideal solution. When it comes to employee benefits, it’s important that all our clients are provided with the proper coverage to coordinate their benefits with Indian & Northern Affairs Canada (INAC) and Non-Insured Health Benefits (NIHB). For a non-taxable employee, plan design must also be taken into account to ensure that the employee’s disability income, in the event that they become disabled, is paid appropriately.

Our long-standing relationship with the largest and most well-known insurance providers for Indigenous insurance allows us to offer innovative solutions at competitive pricing, advanced technology, and administration services to support this essential coverage.

Farming

Agriculture is the backbone of the Canadian economy. Protecting our farming clients is something we take great pride in.

Offering unique plan designs and solutions to the farming industry has allowed us to be a leader in this sector. Working closely with farming associations and specialty carriers, we have extensive experience and product offerings to cover all farms, from family operations to large-scale operations.

Transportation & Logistics

Our experience and understanding of the risks associated with the transportation industry allow us to support our clients and their insurance needs.

Whether you are a short-haul driver, owner-operator, or an international operation, we have the solutions to keep you and your employees protected.

Owners, Sole-Proprietors & Top-Up Policies

Entrepreneurship is close to our Hart at Core Benefits and we make it our mission to keep our business owners well protected.

As experts in this field, we will help you build a plan to gain tax efficiencies and keep you covered. Your most valuable asset is your ability to earn an income – we can help you.

• Top-Up Insurance – Employee benefit plans offer quality coverage at an affordable price, but higher-income earners may require additional disability and life insurance benefits. Plan definitions and how you pay yourself and your staff can affect your benefit amount. It is important to protect your lifestyle. Let us show you how.
• Private Health Services Plans – CRA-approved plans allow the health, medical, and dental expenses of owners and employees to become a deductible business expense for the employer. This plan provides affordable coverage for both the self-employed and small-medium business owners with a tax savings approach!
• Business Overhead Insurance – Coverage to reimburse your business for fixed operating expenses in the event of the owner’s disability brings peace of mind that your company would survive an illness or injury.

Public Sector, Social Services & Unionized Groups

The public sector and unionized groups provide a unique set of challenges in the scope of an employee benefit plan.

It is common for restrictions on plan designs, budget, and overall flexibility to drive the decision-making process. Utilizing our extensive knowledge of bargaining agreements, funding models, and access to specialized insurance providers, we view your plan holistically. We bring our wealth of experience to your organization to offer solutions and deliver quality programs that support your organization.