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<h2><strong>Canada's most stable employee benefits rates over a 5-year period* </strong></h2> <p>TotalGuard saves qualified businesses 8-10% on average on a custom employee benefits plan designed for you, whether you have a team of 3, 30 or 300.</p>

Canada's most stable employee benefits rates over a 5-year period*

TotalGuard saves qualified businesses 8-10% on average on a custom employee benefits plan designed for you, whether you have a team of 3, 30 or 300.

Get an Insurance Quote Today

     

Over 7,300 5-Star Reviews

Personalized Coverage, Best Rates.

At Western Financial Group, we understand the importance of offering exceptional benefits to your employees while keeping costs affordable and predictable. By pooling over 1,750 businesses and 40,000 participants together into one group, we unlock significant savings and price stability for you.

Get a Quick Quote in 20 Minutes or Less

Call us now at 1-866-860-1947 or fill in the form below. We’ll get back to you in minutes and have a quote ready for you in no time.

* Company Name / Number
* Group Coverage in Place
Yes
No
* Number of Employees
1-4
5+
* Name
* Phone Number
* Email
Tell me about your Group Health Benefit needs. (Optional)
* Please indicate your consent
By selecting this checkbox, I/we agree to all the terms and conditions and have read and understand the Disclosure and Compensation Statement made available to me by Western Financial Group for the purpose of requesting a quote.

Get a free employee benefits health check

Send us your current employee benefits plan for a free review. We’ll make sure you are getting the right coverage at the best possible price. On average, we save qualified businesses 8-10% on their employee benefits for an equivalent or better plan.

How TotalGuard benefits your business

  • Savings from the start: We deliver immediate savings of 8-10% to qualified businesses on plans equivalent or better than your current coverage. By leveraging the power of the group to get the best coverage available and by eliminating excess costs that typically go back to the insurance industry as profit. 
  • Unparalleled stability: Our pooled structure reduces the chance of annual rate hikes from high-claiming years by spreading the risk to everyone, making forecasting for the future easier than ever.  
  • Supreme flexibility: Access a diverse range of customizable coverage options, allowing you to tailor a plan that perfectly fits your needs today and grows with your business tomorrow.  

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Investing in your staff’s wellbeing

TotalGuard empowers you to offer your employees the gift of security. It also helps you attract and retain top talent by offering a complete suite of benefits, including:

  • Extended health: Coverage for essential medical expenses, including dental care and prescriptions. 
  • Dental: Thorough dental plans to keep your employees smiling.  
  • Vision: Access to regular eye exams, corrective lenses, and even laser eye surgery.  
  • Health care spending accounts: Additional funds for qualified health expenses not covered by the plan. 
  • Direct-pay drug cards: Immediately covers the cost on prescription drugs and professional services at the point of sale. 
<h2>Why Western?</h2> <p>With Western, you get access to tailored in-house insurance products and a broad marketplace with over 100 other providers which means that you always get custom coverage at the best possible price. We do all the heavy lifting for you. Unlike many of our broker competitors, we have in-house claims support as well as risk management strategies to identify future threats to your business. All this comes with no strings attached or additional cost to you.</p>

Why Western?

With Western, you get access to tailored in-house insurance products and a broad marketplace with over 100 other providers which means that you always get custom coverage at the best possible price. We do all the heavy lifting for you. Unlike many of our broker competitors, we have in-house claims support as well as risk management strategies to identify future threats to your business. All this comes with no strings attached or additional cost to you.

Learn More About Western

We invest in safe spaces.

When you buy from us, you’re also helping your community. Through our Foundation, we have invested over $9,000,000 in health and social services grants, as well as climate resiliency and infrastructure projects that mitigate the impact of floods and fires in the places you live and do business.

Over 7,300 5-Star Reviews

See what our customers have to say about Western

I've had my commercial insurance policy for almost 20 years with Marc Ricard and have always been happy with the service and rates I received. Highly recommended!

Lianne E., Edmonton, AB

Mar 10, 2025

Huge S/O to Carley and Jesse yesterday for hooking me up with a great policy for my motorcycle in BC.

Spencer S., Kelowna, BC

Mar 11, 2025

If you need someone who will explain all your options in lay man terms, speak to Syed Ameer. He was amazing and made the whole process so smooth and simple. Syed also saved me a lot of $$$. Thank you

Fatema A., Bolton, ON

Mar 13, 2025

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