Union & Professional Insurance Discounts
Union members, professional groups, public service employees, employers, associations and affinity groups may be able to access additional home and auto insurance savings through group programs.
This page is for general education only. Discounts, eligibility, group approval, insurer participation, minimum group size, proof requirements and pricing vary by insurer and underwriting.
Start with the right group or affinity program
Reliable Insurance Brokers has separate savings pages for group and affinity programs. Some customers may fit a union-related program, while others may fit a professional, public service, STEM, hospital worker, government employee or first responder category.
The best starting point is our Group & Affinity Insurance Discounts hub. From there, you can choose the program that applies and start the correct home or auto insurance quote.
Union member savings
Eligible union members may qualify for group savings through the UUEC union savings program, including potential home and auto insurance discounts through participating insurers.
Endless Savings affinity discounts
Eligible STEM professionals, hospital workers, government employees and first responders may qualify for affinity savings through participating insurers.
For employers, unions, associations and HR leaders
A home and auto insurance group program can be one of the fastest ways to create real value for staff, members or employees without adding payroll cost. It can help your organization increase its value proposition while giving people access to savings they may not be able to find on their own.
Speak with Thomas Smith, Group Program Administrator and President of Reliable Insurance Brokers, to learn whether your employer group, union, association or membership organization may qualify for a sponsored home and auto insurance discount program.
Reliable Insurance Brokers is highly experienced in administering employee home and auto insurance group programs. We can often work to get two, and sometimes three, insurers on board with a group rate for your organization, maximizing your staff or members’ ability to save on insurance.
It starts with a quick underwriting survey.
We usually need a quick 30-minute phone session to complete an underwriting survey and assess whether your organization could apply for a group home and auto insurance program.
Most insurers usually want the group to have at least 500 members or employees. However, exceptions can sometimes be made for organizations with more than 100 members or employees, depending on the profile of the group and insurer appetite.
No cost to your organization
There is usually no cost for the employer, union or association to sponsor the program. The insurance policies are arranged directly between eligible members and the insurer.
No minimum participation
Your organization can make the program available without requiring every employee or member to participate.
No insurance liability for the sponsor
The sponsor is not responsible for individual underwriting, claims, premium payments or insurer decisions. Reliable and the participating insurers administer the insurance process.
Email tsmith@reliablebrokers.ca to speak with Thomas Smith, Group Program Administrator and President of Reliable Insurance Brokers, about setting up a group insurance discount for your staff or members, and to find out whether your organization may be eligible.
We help market the program to your staff or members
Setting up a group insurance discount program should not become a burden for your HR team, union executive or association administrators. Reliable helps support the rollout and marketing of the program so eligible members know the opportunity exists.
We can help create a simple communication plan, quote links, member-facing messaging, and a clear process for employees or members to request quotes. The goal is to make the program easy for your organization and easy for your people to understand.
Easy rollout
We can help provide clear messaging so employees or members understand who may qualify, how to request a quote and what information they need.
Member education
We can explain that group discounts are only one part of the quote and that coverage, deductibles, endorsements and claims service still matter.
Who may qualify for union or professional savings?
Eligibility depends on the program and participating insurer. These are common categories that may be worth reviewing.
| Category | Potential Path |
|---|---|
| Union members | May be eligible through UUEC Union Savings or another qualifying union-related program. |
| STEM professionals | May be eligible through Endless Savings affinity opportunities, depending on role and insurer participation. |
| Hospital workers | May qualify under certain professional or public service affinity categories. |
| Municipal, provincial or federal government employees | May qualify for Endless Savings affinity opportunities, depending on proof and insurer eligibility. |
| First responders | May qualify for certain affinity savings programs, depending on employment status and participating insurer rules. |
| Employers, associations and unions | May be able to work with Reliable to explore whether a sponsored group insurance program can be established. |
How much can group members save?
Group and affinity discounts vary by participating insurer. For certain groups, the discount can be as much as 25% off an insurer’s regular rate, depending on the insurer, program, group profile, member eligibility and underwriting.
The final savings depend on more than the group discount. Auto insurance discounts such as multi-vehicle, winter tire, telematics, good driver, clean record and pay-in-full discounts may also apply. Home insurance discounts such as bundle, alarm, water protection, claims-free, mortgage-free and other savings may also affect the final price.
Questions for employers, unions or associations
- How many employees, members or staff are in the organization?
- Is the group above 500 members or employees?
- If the group is smaller, is it above 100 members or employees?
- What type of organization is it?
- Are members located mainly in Ontario or across multiple provinces?
- Is the organization an employer, union, professional association, affinity group or membership group?
- Would the organization be willing to communicate the program to staff or members?
- Is there an HR contact, union executive, benefits lead or association administrator who can complete the underwriting survey?
- Are there existing employee benefit programs or member savings programs in place?
- Would a 30-minute underwriting survey session be possible?
Important group discount disclaimer
This page is provided for general educational purposes only. It is not underwriting approval, discount approval, group program approval, legal advice, HR advice or a promise that any insurer will approve a group, offer a specific discount or accept a particular organization.
Union discounts, professional discounts, affinity savings, Endless Savings eligibility, UUEC union savings, employer group programs, insurer participation, group size requirements, exception requests, underwriting survey results, member eligibility, sponsor responsibilities, proof requirements, discount amounts, pricing and renewal terms are controlled by participating insurers, underwriting rules, program terms, quote applications, policy wording and eligibility requirements.
Always verify eligibility, discount availability, sponsor requirements and program details directly with Reliable Insurance Brokers before promoting or relying on any group savings opportunity.
Continue learning about insurance savings
Group & Affinity Insurance Discounts
Choose between Endless Savings and UUEC Union Savings and start the correct home or auto quote path.
Multi-Vehicle Discount
Learn how multiple vehicles in one household may create additional savings opportunities.
Pay in Full Discount
Learn how payment method can affect total premium, billing fees and policy cost.
Union and professional insurance discount FAQs
Who may qualify for union or professional insurance discounts?
Eligible union members, STEM professionals, hospital workers, government employees, first responders and certain professional or affinity groups may qualify depending on the program and insurer.
Where should customers start?
Start with the Group & Affinity Insurance Discounts page so you can choose between Endless Savings and UUEC Union Savings before completing a home or auto quote form.
Can employers or unions create a group insurance discount program?
Potentially yes. Reliable can complete an underwriting survey to determine whether an employer, union, association or membership group may qualify for a sponsored home and auto insurance program.
How large does the group need to be?
Insurers usually prefer groups of at least 500 members or employees, but exceptions may sometimes be possible for organizations above 100 members depending on the group profile and insurer appetite.
Does the employer or union pay to offer the program?
The program is generally offered at no cost to the sponsoring organization, with no minimum participation requirement. Details must be reviewed with Reliable before launching.
Does the employer or union take on insurance claim liability?
In a standard sponsored group insurance discount arrangement, the employer or union is not responsible for individual underwriting, claims, premiums or insurer decisions. The policies are handled between the customer, broker and insurer.
How do we get more information?
Email Thomas Smith, Group Program Administrator and President of Reliable Insurance Brokers, at tsmith@reliablebrokers.ca or ask for Thomas Smith at Reliable Insurance Brokers to book a short underwriting survey session.
Helpful links
Use these pages to start the correct group or affinity quote path.
