HELPING SMALL BUSINESSES
TAKE CARE OF THEIR EMPLOYEES
SMALL, MEDIUM AND HOME BASED BUSINESSES face the challenge of securing benefits insurance that delivers great coverage at reasonable, stable rates. More than 30,000 business owners and managers have achieved exactly that with The Chambers of Commerce Group Insurance Plan®, making it Canada’s #1 employee benefits plan for small business.
The plan is tailored for operations with one employee up to 99. “We insure virtually any industry, including home based businesses, contractors and contract employees and not-for-profits,” says Brett Tanner, Regional Director of the Chambers Plan Ontario Region.
“The Chambers of Commerce Group Insurance Plan works on a rock solid stability model, based on affordable rates that are renewable. Claims and premiums are pooled, so even in a bad year, rates won’t be thrown off. Insurance costs won’t escalate, so budgeting is far more predictable for business owners,” Brett explains.
“Our program is very different from other insurers,” Brett says. “As a not-for-profit group, our first priority is always our clients, ensuring they are more than satisfied with our level of service and the value we pro- vide.”
To support that aim, “whenever you have a question about benefits and claims, you speak with real people working for The Chambers Plan, not offshore staff at a call centre,” Brett assures. Claims are typically paid within 48 hours.
Through the program’s Best Doctors feature, employees and their families can connect to the world’s leading medical experts for free and benefit from superior advice.
Owners and managers can access lawyers, accountants and human resource professionals with the Business Assistance Service, included free with every Chambers Plan pro- gram.
With The Chambers’ Plan Retiree options, owners and managers have peace of mind because the program is protected. To help fund employees’ retirement, The Chambers Plan has a partnership with Man- ulife’s Future Step Group RRSP Program. There are no plan administration fees and no costs to the employer for the Group Regis- tered Retirement Savings Plan. The business owner can also choose to make contributions to employees’ retirement funds, which The Chambers Plan can manage.
Business Overhead Expense Insurance supports the self employed business owner should he or she be sidelined with sudden illness or in- jury, unable to generate revenue. BOE Insurance can cover the mortgage or rent, utilities and more. Coupled with The Chambers’ dis- ability insurance, the owner can focus on getting better.
The costs of introducing and maintaining benefits are substantially offset by the rewards the business gains. “According to Forbes, the number one influencer of employee retention is access to quality benefits,” Brett points out. “When surveyed, over 70% of employees said they would rather take benefits over a raise. It’s more than likely that when people consider applying to your company, they’ll be looking to see if you have a benefits plan in place.”
With access to health benefits, employees have greater incentive to look after their own and their families’ wellness. That can translate into fewer sick days, avoiding disruptions to business operations.
“Our team of local advisors can help you determine the benefits plan that suits your needs,” Brett says.
For details or to request a FREE QUOTE, visit chamberplan.ca or call 1-888-666-8777
As seen in Windsor Live Magazine