Get your team the best benefits, for less.

Save 80% of your time on benefits administration so you can focus on what really matters - growing your business.

Find out how much your business can save

Already have an account with us?


Click here

Trusted by 60,000+
Canadian Businesses and Employees

Traditional Insurance Products

Benefits Price + Expertise + Implementation

Benefits Technology

Benefits Support

Benefits quoting takes 2-3 weeks

Employers choose benefits options for employees

Limited choice of products and higher cost

Quotes provided in  2-3 days

Employer provides flexible options for employees


More products from more carriers at better prices

Result: Faster implementation and better prices

Standalone product with no integration

Costly human errors during sign up

Paper-based enrolment of employees

Connects to your HRIS and Payroll systems

Automation with your HRIS, Payroll, and insurance

Digital enrolment with TPA support

Result: Sterling reduces admin costs by 15%

One-size-fits-all support for clients

HR administers benefits and claims

No ongoing consulting and support

Support SLAs with 90% of issues solved in 24 hours

Sterling manages claims on your behalf

Free benefits consulting and dedicated support

Result: Sterling saves your team 80% of their time

More benefit options
Get access to more products at better prices than regular brokers.

Innovative technology
Simplify your HR workflow and reduce your time spent on benefits admin by 80%

Dedicated benefits support
Get hands-on service 
& support that reduces HR overhead by 15%

Small and medium businesses waste hundreds of hours annually on tedious and mundane employee benefit admin tasks, costing companies thousands of dollars, human errors and compliance issues, as well as poor employee experience.

As the leading tech-enabled benefits broker, Sterling empowers your HR team to streamline benefits administration by simplifying processes like plan selection, enrollment, and deductions, while providing dedicated support to manage claims and question.

Employee Benefits Simplified

Average benefits plan cost savings

10%

Average benefits admin cost savings

15%

Reduction in HR time on plan admin

80%

Find out how much your business can save
with a fast and free quote.

Get a free quote

There is no obligation to get a free quote.

Sterling vs Traditional Brokers

Sterling works with the largest Canadian benefits providers 🇨🇦

Better group benefits for business are as
simple as 1-2-3

Access better benefits products for your team at competitive prices from Sterling's national carrier partners. As Canada's largest independent benefits brokerage, our size and scale means we have the expertise to help find the best benefits to fit your team. Once you're onboard, our no-fee tech platform and dedicated support ensure your team will meet your goals.

Connect with the Sterling team so we can learn about your business and hear what matters most to your team. We map out a plan that fits you and your teams needs.

Meet With Our Team

The Sterling team will provide a customized quote in as little as 2-3 days, or a theoretical quote that won't alert your brokers in as little as 24 hours.

Get Quoted

On your customized quote is accepted our implementation team can setup our plan and help onboard, enroll, and educate your team on their new benefits.

Get Onboarded

"Coconut has been really enjoying utilizing Sterling. Your team has been such rockstars to make sure that Coconut is a well oiled machine when it comes to benefits. Working with our Account Manager has been wonderful as well, and we really appreciate all the hard work that your team has done by making sure we were receiving the best benefits and for the best prices."

Tessa Ross, People & Culture Generalist, Coconut Software

Find out how much
your business can save on benefits.

Get a quote

No credit card required.

Get your free, tailored benefits quote

Get started

No credit card required.

Find out how much your business can save

Get a quote

No credit card required.

Driving Success for Canadian Businesses

No matter your business or complexity, Sterling can work with you to provide the guidance and expertise to navigate the way and help you reach your benefits goals.

Get more from your benefits broker,
without paying more.

Let Sterling do the heavy lifting of administering your employee benefits without paying for it. Unlike traditional benefits brokers, Sterling's size and scale means we can provide our clients with innovative solutions without making them pay extra for it.

Switching benefits brokers has
never been this easy

On-call support
All Sterling clients have access to dedicated executive account managers to assist with questions and are licensed to provide advice.

Integrated tech platform
All Sterling clients get access to a free tech platform to help their team simplify enrolment and employee changes.

Outsourced claims management
Sterling takes on complex benefits claims and disputes on your behalf, working with carriers on your behalf.

Streamlined benefits admin
Reduce manual effort and save time with automated processes including deductions and billing.

Fast quoting
Our dedicated team will guide you through determining the best plan to fit your needs and get you a quote within 2-3 business days. We can also provide a theoretical quote on your benefits to provide a "second opinion" and not alert your existing broker.

Tailored and flexible
Working closely with our clients, we are able to tailor benefits according to their needs, providing a range of options, national carriers that align specifically with their needs and preferences as the company grows and evolves.

Smooth transition
Our dedicated team will assist you through the plan transition process, providing free implementation, tech integration, and employee training, working closely with your HR team at no added cost to your team.

Employee satisfaction
Sterling provides your employees with detailed information about their benefits plans and how those will be reflected in their payroll. Plans outline features, advantages, changes, as well as onboarding webinars and 24/7 access to our support team.

2000+ consolidated policies

Company came to Sterling with 5 different benefit policies and 4 different group retirement policies across the country. Sterling streamlined the plans and realized savings.

Lowered premiums by 30% on average

Provided customizable solution to plan members at no extra costs

Generated payroll deduction reports retroactively to avoid employee surprises on their payroll

Realized plan savings of 
$1.5 million within 48 months

Company of 500 employees was looking for a plan to optimize savings and use refund accounting. Payroll provider could not upgrade the client to their new software and could not file deductions appropriately.

Sterling Integrated with the payroll provider and created a streamlined enrolment process, enabling the client to upgrade their payroll software

Realized savings of $1.5 million and released over $400k in reserves from the refund account

Consolidated and reduced invoices by 70%

31.42% reduction is health costs

Company had switched to a new HRIS solution that old insurance broker could not integrate with. The company had many non-specialized hourly employees who also received benefits.

Integrated benefits management tool that allowed to process 10,000 fewer transactions

Handled 4,390 benefit queries from plan members, saving time and money for the HR team

Reduced health and dental coverage costs by 31.24% and 57.99% respectively

Who does Sterling work with?

As Canada’s largest independent brokerage Sterling works with most of the major carriers in Canada to provide tailored benefits to meet our clients needs. Some of these carriers include CanadaLife, Manulife, Sun Life, Wawanesa, Blue Cross, and Green Shield.

What services does Sterling offer?

Sterling offers a wide variety of employee benefits products designed to fit the needs of Canadian small businesses, which includes everything from standard vision, dental, and disability coverage to more bespoke products such as travel insurance and wellness spending accounts.

Aside from benefits, Sterling also offers competitive group retirement services, as well as individual and mortgage insurance. Lastly, Sterling works with best-in-class providers across Canada to offer a suite of value-add ancillary services such as Telemedicine from Dialogue, digital pharmacy from MedNow, or health spending accounts from Aya.

What is an independent benefits broker?

An independent employee benefits broker acts as a middleman between businesses and insurance carriers when it comes to employee benefits. They are independent because they are not tied to any specific insurance company. Their role is to help businesses find the right employee benefits packages that suit their needs and budget.

Independent brokers work closely with businesses to understand their requirements and then shop around the market to find suitable insurance options from various insurance providers. They compare different plans, coverage options, and costs to help businesses make informed decisions about their employee benefits.

The advantage of working with an independent employee benefits broker is that they offer unbiased advice and have access to a wide range of insurance products from different companies. This allows them to offer customised solutions tailored to the specific needs of each business.

What are employee benefits?

Employee benefits are additional perks or rewards provided by employers to their employees in addition to their regular salary or wages. These benefits are designed to enhance the overall compensation package and improve the well-being and job satisfaction of employees. Employee benefits can vary depending on the employer and industry. They play a vital role in attracting and retaining talented employees while promoting a positive work environment.

In Canada employers must also provide some mandatory benefits outlined and in the Canadian Federal Labor Standards. Those include vacation time, leaves, CPP, and EI contributions.

Who needs employee benefits?

Employee benefits are beneficial for both employees and employers. Employees regardless of their level or position within a company, can benefit from employee benefits. Benefits provide a sense of financial security, access to healthcare, and opportunities for personal and professional development. They contribute to employees' overall well-being, job satisfaction, and work-life balance.

For employers, benefits can help attract and retain top talent in a competitive job market. They enhance employee morale and motivation, leading to increased productivity and loyalty. Additionally, employee benefits can contribute to a positive company culture and serve as a tool for employer branding.

What do employee benefits cover?

Employee benefits can cover a wide range of areas depending on the specific benefit plans offered by the employer. Here are some common areas that employee benefits may cover include health insurance (dental and vision), retirement plans (RRSPs), Life and Disability Insurance (both short and long term), Wellness programs, and self-directed funds such as Health Spending Accounts which allow an employee to spend on services as needed.

What is the cost of employee benefits?

The cost of employee benefits can vary widely depending on several factors, including the size of the company, the industry, the specific benefits offered, the experience of the company, and the region. All of these factors together create the ultimate “cost” of benefits that is carried by a business. However, a general rule of thumb is that benefits typically account for 32% or roughly 1/3 of payroll costs in Canada and the United States. So, depending on the size of your existing business and workforce you can determine rough pricing from that metric.

How can I get started with Sterling?

If you are interested in learning more about how the team at Sterling can help you create a tailored benefits plan that meets the needs of your business, you have a number of options. First is to visit SterlingCapitalBrokers.com and request a meeting with our team. Alternatively you can email info@sterlingcapitalbrokers.com to be connected to a member of our team, or call us directly at: +18882135557

IT Company

Retail Company

Software Company

Frequently asked questions

Sterling vs Traditional Brokers

Benefits Price + Expertise + Implementation

Benefits quoting takes 2-3 weeks

Employers choose benefits options for employees

Limited choice of products and higher cost

Traditional insurance products

Quotes provided in  2-3 days

Employer provides flexible options for employees


More products from more carriers at better prices

Result: Faster implementation and better prices

Benefits Technology

Traditional insurance products

Standalone product with no integration

Costly human errors during sign up


Paper-based enrolment of employees

Connects to your HRIS and Payroll systems

Automation with your HRIS, Payroll, and insurance


Digital enrolment with TPA support

Result: Sterling reduces admin costs by 15%

Benefits Support

Traditional insurance products

One-size-fits-all support for clients

HR administers benefits and claims


No ongoing consulting and support

Support SLAs with 90% of issues solved in 24 hours

Sterling manages claims on your behalf


Free benefits consulting and dedicated support

Result: Sterling saves your team 80% of their time

Retail Company

IT Company

Software Company

Get startedGet a quoteTell me more about thisSign InAbout Us