Group insurance for SMEs in Quebec
A well-designed group plan helps you recruit and keep your employees. I compare several insurers and help you choose what really matters for your team.
- From 2 or 3 employees, depending on the insurer
- Several insurers compared
- Support with set-up and renewals
Independent representative registered with the AMF · Meet your advisor
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Coverages in a group plan
Life and accidental death insurance
A lump sum paid to loved ones, often expressed as a multiple of salary.
Short- and long-term disability
Replacement of part of the income in case of illness or accident. It is often the most valuable coverage.
Health and drugs
In Quebec, the private plan must cover at least the drugs on the RAMQ list for eligible members.
Dental care
Preventive, basic, major or orthodontics, depending on the budget.
Employee assistance program
Confidential counselling for employees and their families.
Health spending account
A fixed annual amount the employee uses for eligible expenses, useful to control costs.
What drives the cost
The group's size and age
The number of members, their age, the share of families and past claims experience.
Coverages and deductibles
Coinsurance, deductible, maximums and dental choices weigh heavily on the premium.
Quebec taxation
In Quebec, group insurance premiums are subject to the tax on insurance premiums (9%, then 9.975% for premiums paid after December 31, 2026), and the employer's contribution to a private health insurance plan is a taxable benefit at the provincial level.
My approach
Analysis
Your goals, your budget, your team profile and, if applicable, your current plan.
Marketing
I ask several insurers to quote on the same specifications, to compare like with like.
Set-up and follow-up
Implementation, communication to employees, then analysis of each renewal.
Why an independent representative
Several insurers compared
As an independent representative, I am not tied to a single company. I compare products from several insurers, including iA, Canada Life, Sun Life, Beneva and Manulife.
A needs analysis first
Before any recommendation, I analyse your financial needs. The amount proposed is justified by your figures, not by a rule of thumb.
Regulatory oversight
I am registered with the Autorité des marchés financiers (certificate 259457). You can check my registration at any time in the AMF's public register.
Sources: Revenu Québec, tax on insurance premiums (increase to 9.975% for premiums paid after December 31, 2026, tax news of April 9, 2026) and taxable benefits (employer contribution to a private health insurance plan); RAMQ, public prescription drug insurance plan. General information; tax treatment should be confirmed with your accountant.
Frequently asked questions
How many employees do you need for group insurance?
Several insurers accept small groups from two or three employees, with adapted conditions (bundled coverages, enrolment rules). Marketing the plan to several insurers finds the best fit.
Is group insurance mandatory?
No. It is optional for the employer. The VRSP (RVER), however, becomes mandatory from 10 eligible employees on June 30 (and 5 on the previous December 31).
Are premiums paid by the employer taxable for the employee?
In Quebec, the employer's share for certain coverages, including health insurance, is a taxable benefit at the provincial level. The exact treatment depends on the coverages and should be confirmed with your accountant.
How can you limit the increase at renewal?
By analysing the group's experience, adjusting coverages or deductibles, and marketing the plan again when justified.
Let's talk about your situation.
Free analysis, by video conference or phone.
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