Chambers of Commerce
Group Insurance Plan
Canada’s #1 Benefits Program for Small and Medium-Sized Businesses
A strong benefits plan does more than support your team — it helps your business attract talent, retain employees, and stay competitive. The Chambers Plan was built with small and mid-sized businesses in mind, offering big-business benefits with small-business flexibility. With more than 32,000 Canadian companies already enrolled, it’s the most trusted and widely used group benefits plan in the country.
Why the Chambers Plan Is Different
Unlike traditional benefits plans that base premiums solely on your company’s claims, the Chambers Plan uses a unique pooled model — spreading risk across thousands of participating businesses. That means your costs remain predictable, stable, and sustainable year after year.
And because the Chambers Plan is not-for-profit, any surplus goes directly back into the program to lower costs and enhance coverage, not to shareholders.
Real Results: Consistent Low Renewals
Over the past decade, Chambers Plan clients have enjoyed an average annual renewal increase of under 5%, even as industry averages have been significantly higher.
In fact, while many insurers anticipate double-digit premium hikes due to rising health and dental costs, Chambers Plan continues to deliver cost stability well below market trends.
This predictable pricing allows businesses to plan ahead with confidence, avoiding the volatility often seen with traditional benefits providers.
Today’s workforce expects more from their benefits — and the Chambers Plan delivers. Our approach to whole-person care supports physical, mental, and emotional well-being with tools that improve health outcomes and strengthen engagement:
24/7 virtual care and telemedicine via Teladoc
Teladoc Medical Experts™ second-opinion services
Hugr Authentic Connections for social and mental well-being
Stepped care mental health programs for anxiety, depression, sleep issues, and more
Employee Assistance Program (EAP) via Arcora for confidential, one-on-one support for mental, physical, financial, legal, and lifestyle support
Whole-Person Care: Beyond Traditional Benefits
Business Support You Can Rely On
The Chambers Plan is more than a benefits program — it’s a business support system. Members gain free access to Business Assistance Services (BAS), which provides HR, legal, and financial guidance when you need it most. Business Assistance Services. From navigating maternity leave and terminations to creating workplace HR policies, BAS ensures you’re never on your own.
Additionally, members receive 3 hours of annual professional business coaching from Arcora, focused on leadership development, communication, time management, and growth strategies.
Smarter Administration with Tandem
Managing benefits shouldn’t be complicated. With Tandem, Chambers Plan offers unique a integration directly with Payworks payroll, syncing, in real time, employee data and premium deductions automatically. The result? Less admin, fewer errors, and more time to focus on your business.
Plan Options Tailored to You
We’ll work with you to build a customized benefits package that includes:
Dental and Extended Health coverage
Prescription drug & practitioner benefits
Life, AD&D, Disability & Critical Illness insurance
Health Spending Accounts (HSA’s) and Lifestyle Spending Accounts (LSA’s)
Employee Assistance Program (EAP) and mental health tools
— Kirby Ell, Founder, Kore Irrigation
“As a company we have offered a quality benefits program to our employees for the past 10+ years. In that timeframe , we had worked with a couple of other leading insurers and while the benefits were decent , the renewal increases we received each year were generally always going up more than average and sometimes substantially , simply because our employees used the plan. Then some 4-5 years ago , along came The Chambers Plan, which was competitively priced and also offered an enhanced benefit program with some new bells and whistles. Our employee’s love the plan as it’s so easy to use from online claims to excellent travel insurance and from business perspective the annual plans costs have been stable, which is what most medium sized businesses want – cost certainty. Would highly recommend the Chambers Plan as a go to benefit program for any business that wants to attract and keep good staff”
Ready to Build a Stronger Benefits Strategy?
Join thousands of Canadian businesses who trust the Chambers Plan to protect their people and power their growth.