CAPCORP
Capcorp Financial – we do benefits better!
Trusted advisors to Ottawa Construction Association (OCA) members, Capcorp Financial takes your business to the next level with customized Employee Benefits, Wealth Management, Risk Management, Tax, and Succession Planning solutions. Our passion for the construction industry drives us to tailor our services to meet your unique needs and challenges, including competition, corporate culture, and talent recruitment.
What sets us apart? Capcorp’s comprehensive and forward-thinking strategies deliver exceptional value and long-term rate certainty. Our expert team ensures you access competitive, personalized plans that protect your employees, attract top-tier talent, and reinforce your status as an industry-leading employer. With our preferred pricing for OCA members, you get the best coverage at the most advantageous rates.
Let Capcorp navigate the complexities while you focus on growing your business. Choose us and experience benefits done better, with unwavering support and a strategic approach that secures your company’s future success.
In the employee benefits space, we believe our clients choose to work with us because:
- We understand that the plan needs to work perfectly, and you don’t have the time to manage
any issues that arise. We are extremely hands-on with plan administrators, employees and
stakeholders to resolve any areas of dissatisfaction (eg. claims problems/questions, coverage questions, admin/billing hiccups). With a quick note/call to us, we own any issue rather than leaving it to you to address with the insurer.
- We are entrepreneurial about price. This is a high-cost item with a baked-in inflation factor. Without rigorous annual effort, the cost will rise quickly. This means more than a report that says “we renegotiated your renewal” or an occasional tendering exercise. It means long term rate-certainty, rate guarantees and renewal caps. Many of our clients have rate-certainty for 3 years.
- We provide HR advice. Although many of our clients have HR functionality in-house, there are always HR issues that require a second opinion, legal consultation, template policies or regulatory expertise. Based on our years of working with small business and our shared-experience, we provide a one-stop consultation on everything HR. Like everything we do, it is all included by virtue of being our client.
- We are less expensive. Many plan sponsors don’t know what they pay their benefits broker/consultant/agent. We are transparent on cost and are almost always the low-cost provider despite our breadth of service.
- We have access to data and tools to benchmark your plan against your peers/competitors.
- We are just as capable in the Group Retirement space. We review and optimize your current plan structure to reduce payroll taxes, are able to get group preferred rates on investment management fees for your employees, provide member education and personalized advice to those who would like advice, and ensure contributions are easily administered directly through payroll. This can cost as little as adding 2% to your company’s payroll.
- We offer best-in-class employee presentations and communications.
Review a one-pager that provides an overview of CAPCORP’s total offering to business owners and their businesses.