Business insurance

Insurance products for the longevity of your business

Insurance solutions are essential to a company’s financial health. Our business insurance brokers help you protect your partners and key employees, provide competitive benefits to retain top talent, and safeguard your financial stability.

Our business insurance products

Partnership Insurance
Key Person Insurance
Disability Insurance
Critical Illness Insurance
Business Succession Planning
Tax Advisory Services

Tailored support from a commercial insurance broker for your company’s specific operational and asset-related needs.

Our group insurance plans

Why integrate insurance into your business strategy?

The death or serious illness of a key employee can disrupt your operations. Protect your business continuity and your recruitment capacity with a well-thought-out insurance plan — including group benefits and tailored coverage that reflects your actual needs.

Our multidisciplinary experts also support you with tax strategies and succession planning, offering the comprehensive insight of an experienced business insurance broker.

The Gestion Phocus advantage

As partners in your success, we create a customized plan to cover the real risks your organization faces while enhancing your employer brand. Our services are designed to support your company’s financial security in both the short and long term.

Book a meeting with a Gestion Phocus advisor to build your group insurance and business protection program.

Frequently Asked Questions

Find answers to the most frequently asked questions about our financial services.

In Quebec, there is no general legal requirement for employers to offer group insurance to employees. That said, nearly 3 out of 4 businesses provide it, as it has become a key benefit to attract, motivate, and retain employees.

Offering a group insurance plan also gives your team more comprehensive protection than what RAMQ alone can offer, directly contributing to their well-being and satisfaction at work.

The cost of group insurance depends on several factors, including:

  • Company size
  • Average age and profile of employees
  • Selected coverages (life, disability, medical, dental, etc.)
  • Level of coverage
  • Cost-sharing between employer and employees

Talk to one of our advisors to get a personalized quote and explore the most advantageous options for your team.

The cost of group insurance is usually shared between the employer and the employees. The split can vary from one company to another.