Your greatest asset isn't your business.It's you.
Insurance strategies with tax advantages for Canadian business owners who understand ROI.
Comprehensive Protection
Three pillars designed to protect your human capital.
Disability Insurance
Replace up to 70% of income if illness or injury prevents you from working.
- Own-occupation definitions
- Business overhead coverage
- Corporate-owned tax efficiency
Critical Illness
Tax-free lump sum upon diagnosis of cancer, heart attack, stroke & more.
- 25+ covered conditions
- Return of premium options
- No restrictions on usage
Life Insurance
Protect family, fund buy-sell agreements, and build tax-sheltered value.
- Term & permanent options
- Capital dividend benefits
- Key person coverage
What's Your Human Capital Worth?
Your ability to earn is your most valuable asset.
This is at risk if you can't work
Which Insurance Do You Need?
Answer 4 quick questions to get personalized coverage recommendations.
What type of business do you own?
Three Generations of Protection
Family business serving family businesses—with fiduciary commitment to your interests.
Independent & Carrier-Agnostic
Access to all major Canadian insurers for the best coverage.
Tax-First Approach
Every recommendation structured for maximum efficiency.
Long-Term Partnership
Annual reviews as your business evolves.
Human capital is the most overlooked asset on any business owner's balance sheet.
Meet the Team
A family-first approach means we treat your financial security like our own.
The Shivji Difference
Family-owned advisory vs big banks and DIY.
Experience truly independent advice
Book Free ConsultationReady to Protect Your Greatest Asset?
Book a free 30-minute strategy call. We'll review your current situation, identify gaps, and show you how to structure coverage for maximum tax efficiency.