Our Services

Group Benefits Services in Canada

Nour Insurance Services (NIS) is dedicated to the high-net-worth segment, and as such, many of our clients are professionals, entrepreneurs and business owners. For that reason, we understand the importance of the right employee benefits solution for your business. As a result, we deliver a variety of group benefits plans and services that are flexible, innovative, and anticipate your needs. In providing this service, we also minimize administration for you so you can devote your time to your own business.


NIS is a leader in the group benefits space, servicing businesses of all sizes. Many Canadian employers trust us to deliver their employee benefit programs. Our team will ensure you are adequately prepared while keeping your benefits plan current and competitively priced as your business grows.

What are Group Benefits?

By definition, Group Benefits are insurance options that cover all eligible members of a pre-defined group, such as all the employees in an organization. Employee insurance benefits often include medical coverage for employees or their dependents, either directly or through insurance, reimbursement, or other methods.

While group insurance for employees is primarily paid for by an employer, it is not unusual for employees to contribute. Typically, employees will dedicate a small percentage of their salary to paying the company’s monthly premium.

Finding the appropriate coverage to suit your needs can be tedious. You often end up paying higher premiums for insurance that covers areas that government health plans do not. However, with a group benefits plan, the premiums are lower and provide equivalent coverage to individual health insurance.

Small Business benefits (Less than 51 employees)

As a small business owner, you will face a series of unique challenges every day. These challenges evolve as your business grows and establishes itself. Our small business solutions can help you whether you need a straightforward plan that’s easy for your employees to use and understand or if you seek a more comprehensive selection of benefits products and services with greater flexibility for your company.

We assist business owners with everything from managing business costs to attracting the best employees and growing personal wealth. Our group benefits programs for small businesses are affordable and can be tailored to meet your company’s specific needs. A benefits program will give your firm a competitive advantage in the job market as a cost-effective method to protect employees and their families with a tax-effective form of compensation.

Medium / Large Business (51+ employees)

For larger enterprises, from mid-sized to corporate, our extensive service network stretches right across Canada. Our broad and customizable product suite is comprehensive and flexible to meet your requirements now and in the future. Our solutions are developed with best-of-class partners who are specialists in their field.

NIS Advisors utilize a hands-on approach to disability management, which means employees can return to work faster. Our reporting tools analyze disability claims, so our practical approach to health management protects your business. Our focus on prevention and intervention is designed to help you see healthier, more engaged, and productive employees. By matching benefits and support for health, absence, and workplace injury with intensive claims management, your plan will ultimately be sustainable in the long run.

Industry Associations and Union Group

At NIS, our clients include multi-employer trade unions, as well as teachers and public-sector trust funds. Our team matches your needs with quality products, consistent and conscientious service, as well as flexible underwriting.

Your members will have the advantage of working with our team of in-house experts. Their training in subjects like our banks, collective bargaining, reciprocal agreements, and legislative changes gives them the skills to understand your industry correctly.

NIS Advisors are conscious of the influence of union and management negotiations on benefit plans. As a result, we will do all we can to support the negotiation process, including accommodating those discussions through our rating actions and the timing of rate adjustments. We will also work closely with third-party administrators on day-to-day service issues such as claims eligibility and premium administration.

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