Employee Benefits

HED works in partnership with many independent Canadian businesses, associations and buying groups to find better ways to manage insurance programs with greater financial and administrative efficiencies. The result is that HED is able to provide service more efficiently than the traditional broker-insurance company model.

TotalGUARD

TotalGUARD is HED’s proprietary employee benefits program which provides comprehensive life, health and dental plans to over 800 independent Canadian businesses. Through TotalGUARD, HED provides the product and all related services such as invoicing/billing, production of booklets, day-to-day administration, analytical support, new business sales and ongoing service support. With all these services under one roof, TotalGUARD is unique and economically superior to the traditional method of purchasing employee benefits coverage.

We are confident that TotalGUARD’s many economic and administrative efficiencies will result in independent Canadian businesses not only realizing immediate premium savings but also and more importantly long term rate stability. TotalGUARD will help your effort to attract and retain employees creating a more efficient and productive work force.