Employee Benefits for Construction Companies
Skilled trades are in demand, and benefits help you keep your best people. We connect Ontario contractors with licensed advisors who design plans for field crews and office staff.
Connect Now
Benefits for Contractors and Trades
Construction companies compete hard for skilled workers. A benefits plan with strong drug, dental, disability and paramedical coverage is one of the most effective ways to recruit and keep good crews.
Construction also has its own challenges: seasonal work, workers who move between sites, and a mix of employees and subcontractors. The plan needs to handle all of that.
Connect NowWhat matters for your team
Plans can be designed around the realities of your industry.
Physical work
Physiotherapy, massage therapy and chiropractic coverage are heavily used in the trades. Long term disability covers illness and injuries away from work, which WSIB does not.
Seasonal and variable hours
Eligibility rules and waiting periods should reflect how your crews actually work through the year.
Employees vs subcontractors
Group plans cover employees. Subcontractors arrange their own coverage, which is worth clarifying in contracts.
Where to start
Build the core plan
Most employers start with health and dental, then add life and disability. See small business group benefits for the options and typical costs.
For the business side of your risk, see our construction insurance guide.
Employee Benefits for Construction Companies FAQs
Does WSIB replace disability benefits?
No. WSIB covers work related injuries and illnesses. Group disability coverage protects employees who are off work for other reasons.
Can seasonal workers be covered?
Often yes, depending on the insurer’s eligibility rules and how many hours they work. An advisor can recommend a structure.
What coverage do trades value most?
Drug, dental, paramedical and disability coverage are usually the most valued by field staff.
What to expect from a benefits advisor
A licensed advisor handles the details so you can make a clear decision.
1Discovery call
Share who needs coverage, what matters most and your budget. For businesses, bring your current plan and renewal if you have one.
Get Started Now!
2Plan design
Your advisor recommends coverage levels and cost sharing that fit your needs, and explains the trade offs in plain language.
Get Started Now!
3Compare insurers
Your advisor gathers quotes from multiple insurers and compares price, coverage and service side by side.
Get Started Now!
4Enrol and support
Once you choose, your advisor handles the application and enrolment, and stays available for claims questions and renewals.
Get Started Now!
5/5 rating on GoogleThe Commercial Insurance Difference: Feedback from those referred
Proactive Broker Relationship.
The most noticeable difference was the fact that I no longer felt that I was needed to manage the broker... the brokers came to me with proactive recommendations and knew when to push and shop the market and when not to. When the topic of business insurance comes up, I always refer fellow business owners.
Steve T
Security Blanket For My Business
I was always the type of customer that never believed in insurance and only really got it because I had to. Then I connected with a broker through Commercial Insurance.ca and they asked me questions no one else ever did and that's how I knew something was different. They took the time to understand and evaluate the risks. Well, I ended up getting some extra coverage (legal expense) and thank goodness I did. Something fairly innocent turned into something quite nasty and I didn't have to do too much... my coverage took care of it. Now I look at Insurance as a security blanket for my business.
Michael L
They had my back
No one likes buying insurance because it's a bit of a bet against yourself. You just hope that when the bad things happen that insurance will do what it said it would do in the first place. Their specialist stand behind the policy's that they bind. They never professed to get me the best price, but they did say they have my back, and have my back, they did.
Steph P