Business Solutions
Why Business Benefits Matter
Every business faces risks—but the right protection ensures your operations, finances, and team stay strong when life takes a turn. From covering monthly costs to planning for succession, these benefits help you safeguard what you've built.
They can help:
• Cover expenses if the owner is unable to work
• Provide benefits that attract and retain employees
• Protect the business from the loss of a key person
• Ensure continuity in the event of disability or death
• Support tax efficiency and long-term planning
Types of Business Insurance We Offer
Smart coverage options to protect your operations, team, and long-term plans.
Business Overhead Expense Insurance
“Keep your business running, even if you can’t”.
Covers fixed monthly expenses like rent, salaries, and utilities if you’re unable to work due to illness or injury.
Key features:
• Covers overhead like rent, salaries, leases, utilities
• Fast access with short waiting periods
• Especially useful for small businesses or self-employed owners
đź”´ Best for: business owners essential to daily operations.
Group Benefit Plans
Attract, retain, and support your team. Providing your staff with quality health benefits improves morale, loyalty, and productivity.
Key features:
• Health, dental, vision, and prescription coverage
• Optional life and disability plans
• Customizable for businesses of any size
đź”´ Best for: businesses focused on team care and retention.
“Key Man” Insurance
Protect your business from the loss of a key player.
Provides a financial safety net if a critical employee, partner, or owner is unable to work due to death or illness.
Key features:
• Lump-sum payout to the business
• Helps cover losses or fund replacements
• Can boost investor confidence
đź”´ Best for: businesses reliant on specific individuals for success.
Disability Income Insurance
Keep income flowing even when work stops. Provides monthly payments if the insured business owner or employee is unable to work due to a disability.
Key features:
• Customized by profession or income
• Available to business owners and key staff
• Can be paired with overhead insurance
đź”´ Best for: entrepreneurs and team leaders whose work drives revenue.
Critical Illness Insurance
Coverage when serious health issues strike.
Provides a lump-sum payment to the business if a key person is diagnosed with a major illness.
Key features:
• Funds to cover expenses, find replacements, or adapt
• Non-taxable in most cases
• Supports continuity during recovery
đź”´ Best for: businesses that depend on the health of founders or execs.
Life Insurance for Succession Planning
Secure the future of your business. Protects the company in case of the death of an owner or partner and helps with ownership transition and tax planning.
Key features:
• Fund buy-sell agreements
• Create liquidity for estate taxes
• Ensure smooth transfer of business interests
đź”´ Best for: long-term continuity and legacy protection.
Business Overhead Expense Insurance
“Keep your business running, even if you can’t”.
Covers fixed monthly expenses like rent, salaries, and utilities if you’re unable to work due to illness or injury.
Key features:
• Covers overhead like rent, salaries, leases, utilities
• Fast access with short waiting periods
• Especially useful for small businesses or self-employed owners
đź”´ Best for: business owners essential to daily operations.
Group Benefit Plans
Attract, retain, and support your team. Providing your staff with quality health benefits improves morale, loyalty, and productivity.
Key features:
• Health, dental, vision, and prescription coverage
• Optional life and disability plans
• Customizable for businesses of any size
đź”´ Best for: businesses focused on team care and retention.
“Key Man” Insurance
Protect your business from the loss of a key player.
Provides a financial safety net if a critical employee, partner, or owner is unable to work due to death or illness.
Key features:
• Lump-sum payout to the business
• Helps cover losses or fund replacements
• Can boost investor confidence
đź”´ Best for: businesses reliant on specific individuals for success.
Disability Income Insurance
Keep income flowing even when work stops. Provides monthly payments if the insured business owner or employee is unable to work due to a disability.
Key features:
• Customized by profession or income
• Available to business owners and key staff
• Can be paired with overhead insurance
đź”´ Best for: entrepreneurs and team leaders whose work drives revenue.
Critical Illness Insurance
Coverage when serious health issues strike.
Provides a lump-sum payment to the business if a key person is diagnosed with a major illness.
Key features:
• Funds to cover expenses, find replacements, or adapt
• Non-taxable in most cases
• Supports continuity during recovery
đź”´ Best for: businesses that depend on the health of founders or execs.
Life Insurance for Succession Planning
Secure the future of your business. Protects the company in case of the death of an owner or partner and helps with ownership transition and tax planning.
Key features:
• Fund buy-sell agreements
• Create liquidity for estate taxes
• Ensure smooth transfer of business interests
đź”´ Best for: long-term continuity and legacy protection.
Does Your Business Have the Right Protection?
If your business depends on you, your team, or specific individuals—these benefits aren’t optional. James can help you design a smart strategy that protects everything you’ve worked hard to build.
Our Locations
Service Area
Mississauga, Ontario
đź“ž 416.508.2234 /
416.626.5068
đź“Ť 2585 Skymark Ave #306
Mississauga, ON L4W 4L5
📧 james@generationwealth.ca
