Group Insurance & Employee Benefits Montreal

What We Offer

Plans for Teams and Individuals.

Show me options for:

A self-employed professional working on a laptop — For the self-employed & individualsHealth and dental coverage, even without an employer plan.

Self-Employed Health & Dental

No employer plan? Individual coverage for prescriptions, dental, vision, and paramedical care.

Leaving a Group Plan

Changing jobs, retiring, or laid off? Conversion windows are often short — we help you replace coverage before a gap opens.

HSA for Incorporated Professionals

In many cases, even a one-person corporation can pay medical and dental costs with pre-tax dollars through a Health Spending Account.

Understand Your Work Benefits

We review what your workplace plan really covers and where the gaps are — group life is often just 1–2× salary and ends when you leave.

Personal Top-Up Coverage

Life and disability coverage you own, layered on top of group benefits, so your protection follows you from job to job.

Retiree Health Coverage

When employer coverage ends at retirement, keep prescriptions, dental, and travel medical protected.

A team meeting in a bright office — For businessesBenefits that help you hire, keep, and care for great people.

Group Health & Dental

Comprehensive coverage for prescriptions, dental care, vision, and paramedical services that keeps your team healthy and supported.

Group Life & Disability

Financial protection for your employees and their families — life insurance and short- and long-term disability income coverage.

Executive Benefits

Enhanced packages that help you recruit and retain leadership talent — tailored coverage that goes beyond the standard group plan.

Employee Assistance Programs

Confidential mental health, counselling, and wellness support (EAP) that helps your team thrive both at work and at home.

Group Retirement Solutions

Group RRSPs, DPSPs, and pension solutions that help employees build their future while strengthening your total compensation offering.

Health Spending Accounts

Flexible, tax-efficient HSAs that give employees choice over how they use their benefit dollars — popular with small businesses and professionals.

Why Torre

A Benefits Partner Who Shows Up.

Plans That Fit Your Budget

We design coverage around what your business can sustainably afford, and review it each year to keep costs in check as you grow.

Ongoing, Hands-On Service

We don't disappear after the plan is set up. We handle renewals, answer your employees' questions, and advocate for you with insurers.

Any Size, Any Stage

From a three-person startup to an established corporation, we build plans that scale with your company at every stage of growth.

Common Questions

Group Benefits Questions.

There's no wrong size. We set up group plans for businesses as small as two or three people, all the way up to large established corporations. Every business can offer meaningful benefits — we'll find the right fit for yours.

Cost depends on your team size, coverage chosen, and how premiums are shared. Plans are highly customizable — we'll design something that delivers real value while staying within a budget that works for the business.

Yes — many clients come to us with an existing plan that's grown too expensive or no longer fits. We'll review your current coverage, benchmark it against the market, and recommend ways to improve value and control costs.

We do. Beyond setting up the plan, we manage annual renewals, negotiate with insurers on your behalf, help onboard new employees, and serve as the go-to contact when your team has questions. You get a real partner, not just a policy.

Yes. Individual health and dental plans are available without an employer, and if you're incorporated, a Health Spending Account can often let your company pay those costs with pre-tax dollars. We'll compare both options for your situation.

Coverage for Your Team, and for You.