Accidents happen without warning — and the financial impact on a family or business can be devastating. Nova Star Insurance Consultant offers accidental death and dismemberment insurance for employers and employees across Ontario, Alberta, Quebec, Nova Scotia, and New Brunswick. Whether you’re building out a complete employee benefits package or adding a critical layer of personal protection, our licensed advisors will help you find the right AD&D coverage at a competitive rate.
Accidental death and dismemberment insurance is a type of coverage that pays a lump-sum benefit when an insured person suffers a covered accident resulting in death, permanent disability, or specific physical losses such as the loss of a limb, sight, hearing, or speech.
AD&D is not the same as life insurance. Life insurance pays a death benefit regardless of how death occurs — including illness or natural causes. AD&D coverage is specifically triggered by accidents, making it a focused, affordable supplement to a broader protection plan. Many Canadian employers include AD&D as part of a comprehensive employee benefits package, often alongside disability insurance and critical illness coverage.
Accidental death and dismemberment plans through Nova Star Insurance can be customized to cover a range of serious accidental outcomes for both employees and their dependents, including:
Coverage amounts and eligible events vary by plan. Nova Star’s advisors will walk you through exactly what your chosen plan covers and help you select the structure that best fits your workforce and budget.
Offered through an employer as part of a group benefits plan, group AD&D covers employees — and often their dependents — under a single master policy. Premiums are typically lower than individual coverage, and employees may not need to provide evidence of insurability to enroll. This makes it one of the most accessible forms of accident protection for Canadian workers.
For employers, adding AD&D to your group health plan or employee benefits overview is a meaningful, low-cost way to demonstrate that you take your team’s wellbeing seriously.
Individual AD&D policies are purchased directly by the insured and remain in force regardless of employment status. This option suits self-employed Canadians, contractors, or anyone whose employer doesn’t offer group coverage — as well as employees who want additional protection beyond what their workplace plan provides.
Not sure which type fits your situation? Our advisors serve clients across Ontario, Alberta, and beyond — we’ll assess your needs and give you a straight recommendation.
No employer wants to consider the possibility of a workplace accident leaving an employee or their family in financial crisis. But the reality is that accidental injuries are among the leading causes of disability and death for working-age Canadians, according to the Public Health Agency of Canada.
When a serious accident occurs, the financial consequences for the injured employee or their surviving family members can be immediate and severe — lost income, medical costs, rehabilitation expenses, and more. AD&D insurance ensures that in the worst moments, your employees and their families are not left facing those consequences alone.
Offering AD&D as part of a competitive benefits package also has a direct business benefit: it helps attract and retain talent in a tight Canadian labour market, signals that your company genuinely values its people, and is generally a tax-deductible business expense.
Our licensed group benefits consultants manage every aspect of your AD&D plan — from first assessment through to annual renewal.
Needs assessment We review your workforce size, industry risk profile, existing coverage, and budget to identify the right AD&D structure for your business.
Plan customization We build a tailored plan with coverage levels, benefit schedules, and optional riders that match your employees’ actual needs — not a generic template.
Carrier comparison With access to a broad network of top Canadian insurance carriers, we compare plans on price, breadth of coverage, and claims service — then present you with the best options.
Enrolment and administration We handle the paperwork, member enrolment, and carrier communication so your HR team doesn’t have to.
Ongoing support If a claim ever arises, our team is available to guide you and your employees through the process — ensuring fair, timely outcomes.
AD&D insurance provides a lump-sum payment when an insured person suffers a serious accident resulting in death, permanent injury, or the loss of a limb, sight, hearing, or speech. It is commonly offered as part of a group employee benefits plan in Canada, and can also be purchased as an individual policy.
Life insurance pays a death benefit regardless of the cause of death — including illness, disease, or natural causes. AD&D insurance only pays out when death or injury is caused directly by a covered accident. Because of this narrower scope, AD&D is typically more affordable and works best as a complement to, rather than a replacement for, life insurance. Speak with a Nova Star advisor to determine the right combination of coverage for your situation.
Group AD&D plans can cover employees only, or extend to include eligible dependents — spouses and dependent children — depending on the plan design chosen by the employer. The employer determines the scope of coverage during the plan design phase.
Yes — AD&D is one of the most cost-effective benefits a Canadian employer can offer. Premiums are generally low relative to the benefit provided, and adding AD&D to your employee benefits package demonstrates a genuine commitment to your team’s financial security. It can also contribute to talent attraction and retention, which matters especially for small and mid-sized businesses competing with larger employers.
AD&D policies generally exclude deaths or injuries resulting from illness, self-inflicted harm, participation in criminal activity, intoxication, or high-risk activities such as certain extreme sports (depending on the carrier). A Nova Star advisor will review the specific exclusions of any plan we recommend so you fully understand your coverage before signing.
Contact Nova Star Insurance using the form below or by calling (647) 520-6899. One of our licensed group benefits consultants will conduct a complimentary needs assessment and recommend the right AD&D plan for your business — whether as a standalone product or as part of a broader employee benefits package.
A serious accident can happen to anyone, at any time. Nova Star Insurance makes it simple for Ontario and Canadian businesses to give their teams the financial protection they deserve — with AD&D plans that are affordable, customizable, and backed by expert ongoing support.
