cowan insurance

Flexible Employee Group Benefits that Fit Your Budget

Getting great insurance for your employees and their families should be easy. As an Uptown Waterloo BIA member, you can get flexible and affordable health and dental benefits for your employees through our new partnership with Cowan Insurance Group.

Designed by Cowan Insurance Group and insured by Manulife, our exclusive Uptown Waterloo BIA Group Benefits plan is available to all our members with two or more employees. With coverage starting at $19* per employee per month, there are options for businesses of all sizes.

Whether you have a start-up, small business, or established company, you will enjoy the consistently stable and affordable pricing offered by this fully pooled program, which spreads risk across participating association members/groups. Plus, you can choose from multiple plan designs and allocate your budget to where it matters most.

This pilot program is also an exciting opportunity to grow with other BIAs – bringing affordable benefits to small businesses – all without a membership fee.

Interested in learning more about this program?
Visit or contact a Cowan consultant at

*Prices may vary depending on the member’s business and the benefits plan options selected.

Available to all Waterloo BIA members with two or more employees

Access a variety of benefits for your employees with three plan designs to accommodate your business needs and budget:

  • Flexible health, drug, and dental care, with an optional Health Care Spending Account (HSCA)
  • Life, Accidental Death and Dismemberment, and Critical Illness coverage
  • Disability coverage
  • Emergency travel and trip cancellation coverage
  • Employee and Family Assistance Program
  • Virtual access to doctors through HealthCare Online
  • Health service navigator
  • Vitality wellness program