Support what you are building
Business & Benefits
Connect business continuity, employee wellbeing, and owner protection without treating benefits as a one-size-fits-all package.
Questions this pathway can help with
- What benefits would matter most to my team?
- How can a small business structure coverage?
- What risks depend too heavily on one owner?
Open a topic to learn what it means, what to compare, and which questions to ask next.
01Group benefitsExplore health, dental, disability, and flexible plan concepts for Canadian teams.
What to understand
- Start with the needs of the workforce, then decide which health, dental, disability, life, or wellness benefits address those needs.
- Define eligibility, waiting periods, dependant coverage, employer and employee premium sharing, and what happens when employment ends.
- The tax treatment of premiums and benefits can differ by coverage type and who pays, so confirm the design with qualified advisors.
02Owner protectionIdentify business risks tied to the health, income, or death of a key person.
What to understand
- Identify what would stop if an owner or key person could not work: revenue, client relationships, guarantees, operations, or access to financing.
- Separate the household's protection needs from the business's needs for continuity, debt repayment, ownership transition, and operating expenses.
- Insurance may be one part of the plan, alongside emergency reserves, documented responsibilities, and properly drafted ownership agreements.
03Plan designUnderstand how workforce needs, budget, eligibility, and insurer terms shape a plan.
What to understand
- A sustainable plan balances employee priorities, the employer's budget, participation requirements, and predictable administration.
- Compare coverage definitions, limits, exclusions, renewal conditions, claims support, and rate-change history—not only the quoted premium.
- Explain the plan clearly to employees and review usage, workforce changes, and costs at regular intervals.
What Horizon offers
A benefits and owner-protection proposal for your business
We can review what your team and business need, compare eligible options, and turn the findings into a proposal you can evaluate.
What you receive
- A workforce-needs and budget review
- A comparison of suitable benefit designs and eligible insurer quotes
- An owner and key-person risk summary
- An implementation, enrolment, and employee-communication checklist
Pricing, eligibility, tax treatment, and product availability depend on insurer terms and professional review. Quotes are not coverage until a policy is issued and in force.
Request a business benefits proposalWant help with your next step?
Send me a message, and let’s take 15 minutes to talk it through.
— Anand, Horizon Wealth Builders Canada