Big‑Company Benefits on a Small‑Business Budget.
Think your team is too small for top-tier benefits? Think again. We use pooled arrangements to give small businesses access to large-group pricing, saving our clients an average of 17% year over year across a 3-year average.
3-Year Average Savings
17% avg
Why Small Businesses Choose Baicorp
We're an independent, 100% Canadian-owned brokerage that fights for the little guy. We shop the entire market so you don't have to.
Pooled Pricing Power
Small employers typically pay 15-30% more per employee. We group smaller employers together so you get the same negotiating power as a 500-person company — with better rate stability too.
Independent Market Check
We aren't tied to one carrier. We shop Sun Life, Manulife, Canada Life, and more to ensure you're getting the absolute best rate. If your broker only quotes one carrier, you're overpaying.
Rate Stability
Multi-year rate guarantees and annual rate cap negotiation protect your budget from surprise increases. Pooled arrangements give small teams the same renewal predictability larger employers enjoy.
Canadian Data Privacy
Many local brokerages have been bought by US private equity firms. We are 100% Canadian-owned, meaning your employees' sensitive medical data stays under Canadian law.
Even Small Teams Can Offer Big-Company Choice
Tiered plan options and HSA/WSA accounts aren't just for enterprises. We help small businesses offer flexible benefits that compete with larger employers for top talent.
Learn About Flexible BenefitsSwitching Is Simpler Than You Think
The #1 reason small businesses stay with overpriced plans? They think switching is a hassle. Here's the truth: it takes about 15 minutes of your time. We handle everything else.
We Handle All Paperwork
We manage every piece of carrier transition paperwork. You sign one form — we do the rest.
Zero Coverage Gaps
We coordinate start and end dates so your team is never without coverage. Not even for a day.
Keep Your Providers
Your employees keep their same doctors, dentists, and pharmacies. The only thing that changes is you start saving money.
Let's Review Your Benefits Strategy
Our advisors will benchmark your current plan against your industry, identify optimization opportunities, and present a tailored strategy for your organization.
- Identify cost-saving opportunities
- Benchmark against your industry
- Explore modern additions like Virtual Care & EFAP