Plenty of research proves that workplace benefits are advantageous for both employees and employers. They attract and retain talent, cut down on absenteeism and boost productivity. “One of the first things prospective employees look at before choosing to work somewhere is whether the employer offers benefits,” says Ramon Solinas, the regional marketing director for the Chambers of Commerce Group Insurance Plan (Chambers Plan) B.C. and Yukon.
Benefits also support a healthier workplace, something that’s equally as important for a business run by one person as it is for a company with dozens of employees. Indeed, businesses of all sizes—including sole proprietorships and partnerships—can join a benefits plan.
Chambers Plan offers coverage options for Canadian businesses as small as it gets. As a not-for-profit benefits solution, Chambers Plan is designed for businesses with as few as one employee, up to those with 50 or more. With simplified tiered plans covering health, dental, disability, wellness and life insurance, Chambers Plan offers accessible and customizable options.
“The plans are very flexible and often grow with the business,” says Solinas. “Truly, in that sense, no business is too small.” More than 33,000 small- to mid-sized businesses have chosen Chambers Plan, making it Canada’s top employee benefits plan for small businesses.
Options for every small business
Chambers Plan offers both guaranteed issue options and comprehensive packages for small businesses of any size.
Businesses with one or two employees can apply for guaranteed approval options that cover health, dental, disability and life insurance. Businesses with three or more full-time employees can automatically choose from guaranteed approval options, with no medical questionnaires or underwriting. From there, the choice can grow alongside the business.
“As a company gets larger and passes certain thresholds, like 10 or 20 employees, it opens up a few more add-on, comprehensive benefit options,” says Solinas.
Along with that full range of employee benefits, Chambers Plan includes embedded mental health, wellness and business assistance services (BAS) in its plans—at no extra cost.
“Having that extra support on business assistance services, for example, is huge for small businesses,” he says. Business owners can seek guidance on typically costly services including accounting, human resources or legal. Chambers Plan also offers professional business leadership coaching for executives through its BAS services.
Solinas notes that plans can range anywhere from a basic package to a very comprehensive package. “That’s where we work with the employer or the business to find out their budget, their needs and what we can put together,” he says.
Making business benefits accessible
As a not-for-profit, Chambers Plan is focused on delivering comprehensive and accessible benefit solutions for small businesses across British Columbia and Canada.
“Not many other carriers go down to one or two employees,” says Solinas. “And within that marketplace, we have more options for that one- or two-person business than you might otherwise find.”
Chambers Plan benefits operate on a pooled model, as opposed to premiums adjusting every year depending on usage. So, if there happens to be more claims over one year, prices won’t spike the following year.
“You want to have a benefit plan that your employees can actually use without worrying about them using it, because it’s going to help employees stay healthy and be more productive.”
Chambers Plan has benefit options for small businesses of any size. Learn more at chamberplan.ca.
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