Accidental death and dismemberment insurance pays a lump sum if an accident causes death or a serious injury. Accidents happen without warning, and the financial impact on a family or business can be devastating. Nova Star Insurance Consultant offers AD&D coverage for employers and employees across Ontario, Alberta, Quebec, Nova Scotia, and New Brunswick. Whether you’re building a full benefits package or adding personal protection, our licensed advisors will find the right coverage at a competitive rate.
This coverage pays a lump-sum benefit when a covered accident causes death, permanent disability, or a specific loss. Examples include the loss of a limb, sight, hearing, or speech.
AD&D isn’t the same as life insurance. Life insurance pays no matter how death occurs, including from illness. In contrast, AD&D only pays for accidents. As a result, it’s a focused, affordable addition to a broader plan. Many Canadian employers include it in their employee benefits package, often alongside disability insurance and critical illness coverage.
We can customize plans to cover a range of serious accidents for employees and their dependents:
Coverage amounts and eligible events vary by plan. Our advisors will explain exactly what your plan covers and help you choose the right structure for your team and budget.
Employers offer group AD&D through a benefits plan. It covers employees, and often their dependents, under one policy. Premiums are usually lower than individual coverage, and employees often don’t need to answer health questions. For this reason, it’s one of the most accessible forms of accident protection.
For employers, adding AD&D to your group health plan is a meaningful, low-cost way to show you value your team.
Individuals buy these policies directly, so coverage continues whatever happens with their job. It suits self-employed people, contractors, and anyone without group coverage. It also suits employees who want more protection than their workplace plan provides.
Not sure which fits you? Our advisors will assess your needs and give you a straight recommendation.
No employer wants an accident to leave an employee’s family in financial crisis. Yet accidental injuries are a leading cause of death and disability for working-age Canadians, according to the Public Health Agency of Canada.
After a serious accident, the costs can be immediate and severe. They include lost income, medical costs, and rehabilitation. AD&D coverage means your employees and their families don’t face those costs alone.
It also helps your business. It attracts and keeps talent, shows you value your people, and employer-paid premiums are generally deductible for the business.
Our licensed group benefits consultants handle every step, from the first assessment to annual renewal.
We review your team size, industry risks, existing coverage, and budget.
Next, we build a plan with coverage levels and optional riders that match your employees’ real needs.
We compare top Canadian carriers on price, coverage, and claims service. Then, we present your best options.
We handle paperwork, enrolment, and carrier communication, so your HR team doesn’t have to.
If a claim arises, we guide you and your employees through the process.
AD&D insurance pays a lump sum when a serious accident causes death, permanent injury, or the loss of a limb, sight, hearing, or speech. In Canada, it’s commonly part of a group benefits plan. You can also buy it as an individual policy.
Life insurance pays no matter what causes death, including illness. AD&D only pays when an accident directly causes death or injury. Because of this narrower scope, it’s more affordable. However, it works best alongside life insurance, not instead of it. A Nova Star advisor can help you find the right combination.
Group plans can cover employees only, or also include spouses and dependent children. The employer chooses the scope when designing the plan.
Yes. AD&D is one of the most cost-effective benefits an employer can offer. Premiums are low compared to the benefit. In addition, it shows your commitment to your team, which helps smaller businesses compete with larger employers for talent.
Plans generally exclude illness, self-inflicted harm, criminal activity, and intoxication. Some also exclude high-risk activities, such as certain extreme sports. We’ll review the exclusions with you, so you understand your coverage before you sign.
Contact us using the form below or call (647) 520-6899. One of our licensed consultants will complete a free needs assessment. Then, we’ll recommend the right plan, either on its own or as part of a broader employee benefits package.
A serious accident can happen to anyone, at any time. Nova Star makes it simple for Canadian businesses to protect their teams with affordable, customizable AD&D plans and expert ongoing support.
