What is small business insurance?
Business insurance is a must for companies both large and small. It protects business owners from financial losses and liabilities that occur due to unexpected events or emergencies and attracts and retains top talent to remain competitive in the employment market. With everything that could happen, from floods and thefts to accidents and injuries, business insurance is crucial to secure your company’s assets and provide the benefits employees expect.
What kinds of insurance are required for businesses in Canada?
Whether you’re an entrepreneur or a well-established business mogul, you are most likely familiar with the common insurance coverage required or strongly recommended by the Canadian government, including business interruption, professional liability, commercial general liability and commercial property.
While these traditional types of business insurance are helpful in protecting against a large financial loss from a singular, unexpected event, they fail to acknowledge your most important asset: people.
As the owner of your business, what would happen to your company in the event you become unable to work due to a bodily injury or illness? If you can’t work, your revenue and income is at risk of depleting and your employees risk losing their jobs.
While not mandatory, all types of businesses should have comprehensive insurance to protect all their assets – property and people included.
EDGE Small Business Insurance Plans
The Edge Benefits has transformed the insurance market, making benefits affordable and easy to qualify for as an individual, family or small business.
Protect Your Income & Your Business
Provides you and your employees with the coverage needed to remain healthy and financially secure. From health and dental plans to critical illness insurance, each type of coverage serves a specific role in a well-balanced financial plan for you and your employees.Learn More
Business Overhead Expense Insurance
Reimburses a business owner or their company for overhead expenses in the event of a disability that prevents them from working. EDGE offers two business overhead expense plans: guaranteed acceptance injury coverage, or combined injury & illness protection.Learn More
Contact us today to learn more aboutEDGE small business insurance plans.Contact Us
Who needs small business insurance?
All businesses, no matter their size or perceived risk, should have coverage that protects the business owner’s financial security and the employees’ jobs. This is not limited to large enterprises – other professionals can benefit from small business insurance, including:
- Construction workers
- Registered massage therapists
- Real estate agents
- Farmers and ranchers
- Artists & graphic designers
- Entrepreneurs & start-ups
Of course, small-business owners with employees should also consider this kind of comprehensive coverage to protect their business and team.
Small business insurance with The Edge Benefits
With The Edge Benefits, receiving personalized small business insurance and benefits for your employees is easy and affordable. Our coverage offers the same cost efficiencies and simple administration as a traditional comprehensive group benefits insurance provider, but our plans are actually owned by each individual employee.
This unique approach allows the coverage to be completely flexible and customizable per person – so everyone can get the appropriate amount of coverage for their needs. Risk is spread across all EDGE policyholders, so no one person or company is penalized for their unfortunate circumstances and premiums remain stable. Benefits can move with employees wherever they go, so they receive comprehensive coverage through every job and life change.
You and your employees don’t have to pay hefty premiums for products and coverage that aren’t wanted or needed. You can design plans specific to the needs of your industry – such as health and dental coverage, disability or critical illness insurance – with our a la carte offerings matched to each employee’s role and accompanying risks, all within your budget. Employees can also choose to top up their coverage amounts through our simple process for the most comprehensive protection, all under one roof.
We are not just another off-the-shelf insurance company; our plans are the most flexible, affordable, comprehensive and simple to attain. Through every stage of the client lifecycle, our customer support representatives are only a call or email away to help you.
Note: You must have a minimum of three non-related employees to be eligible for our multi-life insurance plans, however all our coverages are available, equally customizable and affordable on an individual basis.
Get a custom quote todayfor small business insurance from The EDGE.Contact Us
What are the advantages of working with an insurance broker?
With The Edge Benefits, you never have to walk through the insurance process alone. We understand that there’s enough to figure out when starting or growing your business, and finding comprehensive coverage shouldn’t be an added pain point.
With the many different plans available, business insurance coverage can seem confusing, but don’t let that stop you from getting the coverage that could afford you financial security and save your employees’ livelihood.
EDGE advisors work with you to deliver custom coverage for your business and employees. They help build the plan, provide quotes and handle employee enrollment. We understand that your unique needs are not covered in a one-size-fits-all plan, and that’s why our advisors carefully craft a comprehensive coverage plan with your business in mind.
Our claims advocacy team is also here to help you and your employees throughout the entire claims process to ensure you have filled in the necessary information and enclosed all required documentation, and we always advocate on your behalf to help you get fast claims resolution and maximum compensation you are entitled to.
We make your business our business. Learn more about how The Edge Benefits is revolutionizing the insurance industry today.