BeneQuote is an independent comparison service for Canadian small business owners. We pull quotes from the country's top carriers — Sun Life, Canada Life, Manulife and others — so you can see what your team's plan actually costs.
Most Canadian small businesses don't shop their group benefits — they accept the first quote they're handed and assume it's competitive. It usually isn't. And in a labour market where one in two companies has raised wages just to keep people in their seats, the cost of that assumption shows up in two places at once: the monthly premium, and the people walking out the door.
The average Canadian company spends this much, per employee, in direct rehiring costs and lost productivity each time someone leaves.
Source: 2025 Canadian Retention Benchmarks (Mercer, HRPA, Statistics Canada)
In a tight labour market, benefits are how small businesses compete for talent against companies with much bigger payrolls. Three patterns we see again and again.
Job postings, interview hours, training, lost productivity while the role sits empty. For senior or skilled roles, the cost of replacement can run to 200% of annual salary — usually multiples of what a year of group benefits would cost across the entire team.
Canadian workers increasingly weigh the full compensation package, not just salary. A plan that includes health, dental, mental health and disability tells a candidate the business is here for the long run — and it costs a fraction of an across-the-board wage hike.
Employees with access to extended health, mental health support and disability coverage take fewer absences, recover faster, and stay engaged longer. The productivity dividend is small per person and significant across a team.
When you go directly to one carrier, you get one quote, on their terms. When you compare across carriers, businesses typically save 15 to 30 percent on the same coverage.
Most small business plans combine a handful of these components. You don't need all of them — your advisor will help you choose what makes sense for your team and budget.
We've stripped this down to the parts that actually matter. No demo bookings, no discovery calls, no marketing nurture. Just numbers, sent quickly.
A 60-second questionnaire — province, team size, current plan status, and which coverage you care about. That's all we need to begin.
Your details are routed to a licensed Canadian advisor, who pulls quotes from the carriers best suited to your team's profile, budget, and coverage priorities.
Review the options side by side with your advisor. Pick the plan that fits — or walk away with no cost and no commitment. The comparison is yours either way.