As independent insurance brokers, we interface with leading insurance companies to have them bid for your business. We work for you, not the insurance companies. This provides us the flexibility to find the best solution for your needs.
Generally, rates in the insurance industry are standardized, which means you will not get better rates from anyone else. And, with our specific focus and experience working in Cape Breton, we know the market and what to expect.
There are many plans available and they can be customized in a variety of ways to make them as affordable as possible. You can also change or upgrade plans as you go. We are happy to explore solutions that fit your budget.
Yes! We can help businesses and nonprofits of all sizes and industries.
Businesses with only a few employees are at a high risk of having rates increase if one or more employees increase their claims in a given year. Pooling your claims with other businesses minimizes this risk by spreading it across more people. As exclusive providers of the Chambers of Commerce Group Insurance Plan ® for Sydney and area businesses, we can pool your claims with tens of thousands of other businesses.
Some plans do allow for full coverage of contract employees under certain conditions. Contact us so we can provide more specific advice.
Most plans require employees to work a minimum of 20 – 24 hours per week in order to qualify. Contact us so we can further evaluate your needs.
Normally, they may choose to stay on their spousal plan, while employees who do not have the option will be covered under your plan.
You can normally cancel your plan with 30 days notice. Your plan likely cannot be cancelled by the insurance company before the renewal date, as long as you pay your premiums. However, plan contracts may vary, so please contact us so we can review your specific situation.