Group Benefits

Protect your employees with customized group and health benefits coverage.

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Customize your Group Benefits coverage plan

Choosing the right combination of coverage and service for your employees today — and in the future — requires an independent, experienced partner.

Aligning your strategy to your compensation and retention philosophy requires an experienced group benefits partner that truly understands your company culture and vision. Group Benefits refers to a comprehensive list of products, services and strategies. Staying ahead of the latest industry trends and legislation can be both difficult and intimidating.

Trust our 30 years of experience helping Canadian employers develop and manage group benefits programs that best fit their needs and those of their employees. We don’t believe in a “one-size-fits-all” approach for group benefits — our philosophy is based on a commitment to take the time to learn about you and your needs, discovering what makes them unique.

The result is a customized approach that reflects your organization’s values and priorities, giving your employees the coverage they need.

Unique group benefits solutions for your needs

For organizations of all types and sizes, you can choose from a complete suite of group benefits products and services, including:

Group Benefits Consulting

Through our discovery process, we can assess the programs that would best suit your organizational needs and recommend the most valuable group benefits plan.

Group Benefits Consulting

Third Party Plan Administration and Claims Payment

Transform your employees’ benefits experience with our unique and easy-to-use administration and payment services.

Third Party Plan Administration and Claims Payment

Health and Disability Management

Reducing disability costs and maximizing attendance, productivity, and employee well-being can help your business achieve significant savings.

Health and Disability

International Benefits Plan Services and Consulting

Unique plans can be customized to meet the needs and circumstances of international employees and students in Canada.

International Benefits Plan

Group Retirement Products and Services

Make informed decisions for your business around pension plans, group RRSPs, group TFSAs, and more in order to build the right group retirement plan for your employees.

Group Retirement
As part of our commitment to keeping your data secure, Cowan is a certified SOC2 Type1 compliant provider.

As part of our commitment to keeping your data secure, Cowan is a certified SOC2 Type1 compliant provider.

Technology Insurance & Risk Management Solutions

Our experienced and knowledgeable experts can help you understand and manage the risk associated with the technology industry as part of a comprehensive suite of products to protect your business.


Municipalities, Universities, School Boards, & Hospital Insurance

We offer risk management and benefits solutions that address your unique local, national, and international needs.

Public Sector Insurance

Affordable coverage options for the not for profit sector

With extensive experience partnering with not for profit agencies, we are effective at developing comprehensive risk management and employee benefits solutions for organizations in this sector.

Not For Profit Insurance & Group Benefits

Customized Specialty Benefits Programs

Castle Building Centres Group Insurance Program

As the endorsed broker of Castle Building Centre Group, we are able to offer reduced rates for group members on home and auto insurance and financial planning services. Cowan is here to Contact us today to learn more about how Cowan can help group members protect themselves, business, and individual assets.

Castle Building Centres

Group Benefits for the Ontario Nonprofit Network

Our dedicated team of industry experts understands the unique challenges that nonprofits and charities face. We take the time to understand your requirements and develop a solution that works for you. Whether you’re just starting out or building on your success, ONN is there to protect your employees and your business.

Ontario Nonprofit Network

One Source Advantage

As a member of the Greater Kitchener Waterloo Chamber of Commerce, you are entitled to a suite of products and services designed to protect your business, your family and your future. Membership in the Chamber provides access to all the Member Benefits which can help you reduce your costs.

One Source Advantage

TechLife® Scalable Solutions for Tech Startups

We understand that your business is unique. Unlike traditional insurance policies, TechLife® offers tiered, customizable and scalable solutions designed specifically for startups and rapid-growth small businesses.

TechLife® for Tech Startups

24/7 access to your group benefits plan

Group Benefits Plan Administrator Access