Important Clarification
Frank Cover provides personal / individual insurance for business owners — life, disability, critical illness, and health spending. This is not commercial liability insurance, business interruption insurance, or property insurance.
Frank Says
Calgary's business community runs on self-employed and small business owners. Oil & gas consultants. Tech founders. Real estate agents. Mortgage brokers. Trades operators. Lawyers with their own practice. Accountants who've gone independent. Every one of them needs coverage that fits the way they work — not a group plan designed for employees.
Calgary Industries Frank Serves
What Frank Builds for Calgary Business Owners
Disability Insurance
Replaces 70–85% of your income if you can't work. Own-occupation definition — if you can't do your specific job, you qualify. Most important coverage for any business owner.
Term Life Insurance
Protects your family and covers your mortgage. Individually underwritten — no surprises at claim time. 10, 20, or 30-year terms.
Critical Illness Insurance
Tax-free lump sum on cancer, heart attack, stroke, and 25+ other diagnoses. Gives you financial runway to recover without burning through savings.
Health Spending Account (PHSP)
For incorporated Calgary business owners — turn dental, prescriptions, vision, and paramedical into 100% deductible business expenses. No insurer needed.
Frequently Asked Questions
Gavin Dyer
AIC Licensed Insurance Advisor, Alberta
Get Your Free Coverage Review
Free. No obligation. Takes 2 minutes. If you're already covered well, Gavin will tell you.
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