Business Insurance Solutions
Business & General Protection
Risk and cash flow management solutions
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Protect Your Assets
Protecting everything you’ve worked so hard to build.
As a business owner or manager, you do everything possible to ensure your business succeeds. Protecting everything you’ve worked so hard to build is so important – even if something happens to you. There are a number of ways insurance can be used to address the specific challenges business owners face, and the good news is that it’s more affordable than you might think.
Our General Insurance affiliates offer the most competitive rates in the market and would be more than happy to provide you with a free, no obligation quote.
Health Spending Accounts
The Benefits My Way Program
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100% Tax Free Health & Dental Benefits
At AMS Financial Group we offer small business owners a truly unique solution called Benefits My Way. Benefits My Way is provided by a Calgary based partner called CustomCare. CustomCare has been dedicated to providing business owners with unique, affordable, effective and customized health benefit plans since 2001.
Benefits My Way offers 100% tax free health & dental benefits for business owners and employees. And the best part? No exclusions or maximums – it’s totally flexible and affordable.
How does it work?
Most health care insurance plans are fixed, meaning there’s little flexibility. With Benefits My Way, our plan allows you and your employees to spend your health care dollars on what’s important to each of you.
There are no monthly premiums, monthly services charges or annual fees. You add a 10% admin fee per claim which means you are only paying for what you use.
Once your company has registered with Benefits My Way Program and has paid the one-time, tax deductible enrollment fee of $295 plus tax, you are ready to start making a claim. Yes, it is that simple.
At AMS Financial Group, we work with businesses in Calgary, western Canada and around the world, providing various group benefit options to their employees.
Group benefits and insurance options can be complex due to the fine print that is typically associated within the industry. We help you cut through the fine print and explain each option to ensure your insurance needs are met now and in the future as your company grows.
Attract Leading Employees
Employee benefits are an important tool used by employers to attract new employees and retain experienced employees. A happy employee is a productive employee and in return promotes a healthy lifestyle, taking off less time from work due to illness or sick days.
Cover Your Employee’s Family
Providing benefits that extend to your employees family is a great way to tell your employees that their and their families well being is of utmost important to the success of the business.
Group Benefits That Evolve With Your Business
Employee benefits that evolve as your company grows, downsizes or changes direction in the business world. Our programs evolve at the same rate of your business and suite your needs now and in the future.
Key Person Insurance
Protect your assets
Why Key Person Insurance Matters
Business owners and other key executives spend considerable time and effort to acquire the knowledge, experience, judgment, reputation, relationships and skills that make them valuable to the business. The loss of an owner or key personnel whose contributions are integral for a business’ success can be devastating.
It can result in a drastic loss of profit, customer base and even reputation. Protecting your business against such risks is often a prudent step toward business continuity, while addressing the concerns of your key stakeholders.
The impact of this situation can be considerably reduced if the business has purchased an insurance policy on the life of the business owner and/or key executives. If they die, the life insurance proceeds give the business working capital to meet immediate cash needs and provide a source of funds for finding, attracting, hiring, and training a replacement for the deceased executive or to hire interim management.
Professional Liability Insurance Protects Your Business
Errors and Omissions, which is also known as professional liability insurance is a product that is designed to protect your business in the event that a customer or a client alleges that an error or neglect on your part resulted in a financial loss for their company.
An errors and omissions policy covers damages that are not covered under a general liability insurance policy. General liability coverage only covers property and physical damage. What it does not cover is professional errors, negligence or malpractice.
Who needs errors and omissions insurance?
- Brokers and Agents
- Management Consultants
- Information Technologists
- Software developers
- Website developers
- Landscape architects
Get Covered Abroad
When you think of traveling you think of a relaxing and stress free environment. Yet everyone has heard travel stories from friends or loved ones who have gotten admitted into a US or foreign hospital for treatment without having any travel insurance.
A night in a foreign hospital can cost you hundreds of dollars, while surgery can cost thousands. And if you have a serious illness, injury and extended recovery in a foreign country can end up costing you hundreds of thousands of dollars…
This can all be covered by a travel insurance plan.
Benefits My Way, through our partner CustomCare, provides you with; 1 million in coverage, transportation home from a different country, referrals to physicians, pharmacists and medical facilities, travel expenses if stranded due to a medical emergency, accompaniment home for dependent children, assistance finding lost luggage, no exclusions on pre-existing medical conditions, no deductible and available until the age 70.
When you buy your health insurance plan you are most likely inclined to buy the plan based on your everyday conditions and lifestyles. What you might not be keeping in mind is, “If I end up owing a large amount of money because of an unforeseen illness, disease or accident will I still be covered?” Well, that’s what you should be thinking.
While you can’t protect your family from unforeseen illnesses or accidents, you can protect them from large debts and financial struggles.
If you are hit with an unexpected accident, disease, or illness you’ll need Catastrophic Coverage. These plans will cover your medical expenses for hospital charges, prescription drugs, nursing services, ambulance services, Services of licensed practitioners.