Introducing Geminus Insurance Financing Inc.

Geminus Insurance Financing Inc. (GIFI) provides smart, flexible premium financing for commercial insurance clients, supporting working capital, preserving coverage, and simplifying cash flow. Our broker-first approach ensures seamless integration with existing relationships, allowing the control to stay in your court.
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Our Role

Insurance Premium Financing

GIFI enables businesses to finance their commercial insurance premiums—unlocking working capital while keeping their coverage in place. Our goal is simple: to make premium payments manageable and predictable, and to support.

  • Preserve working capital for business growth
  • Smooth out large annual upfront costs
  • Simple approvals and predictable payment terms

Smart Financing, Built for Business

GIFI supports brokers and clients with financing options that reflect how real businesses operate — from standard commercial lines to embedded solutions available within the Geminus ecosystem.
Commercial Lines
We facilitate stable capital and strong relationships with senior lenders — giving our platforms flexible funding structures and the confidence of an experienced strategic partner.
Industry-Specific Solutions
Our team brings decades of experience in leasing, lending, servicing, and insurance financing— with the insight to understand complex markets and the discipline to support prudent growth.
Deductible Buydowns
We’ve built and supported businesses through changing economic conditions– offering guidance, continuity, and strategic decision-making when it matters most.
Geminus-Aligned Financing
We’ve built and supported businesses through changing economic conditions– offering guidance, continuity, and strategic decision-making when it matters most.
Interconnected

Backed By Geminus

GIFI is part of the Geminus ecosystem — a group of financial services platforms built for scale, aligned growth, and long-term value. We don’t just share a name; we share infrastructure, credit expertise, and a disciplined approach to execution.
Shared Infrastructure, Proven Systems
GIFI draws on the same operational backbone that supports performance across the Geminus ecosystem, including risk frameworks, compliance controls, treasury functions, and servicing standards.
Aligned Credit Processes
Our financing model reflects the credit discipline and underwriting principles that define Geminus platforms, creating consistency, clarity, and faster decision-making.
Guidance Backed by Experience
Our leadership team brings decades of experience in financial services, informing the way we build, price, and support premium financing across industries.
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Discover Geminus’ History

Understanding Premium Financing with GIFI

Premium financing is often misunderstood. Here are the most common questions we hear—and how GIFI helps brokers and clients make the most of it.
Isn’t Premium Financing just for clients who can’t afford to pay upfront?

Not at all. Many businesses use premium financing to manage cash flow, preserve working capital, and spread out large insurance costs over time, even if they can pay in full.

Is premium financing only available for certain types of insurance?

We focus primarily on commercial policies — including property, auto, liability, and industry-specific coverages but we can also finance personal or home insurance in many cases. Your broker can confirm if your policy qualifies.

Does financing affect coverage or the relationship with my insurer?

No. Your insurance coverage and broker relationship stay the same. GIFI simply helps you manage how and when the premium is paid.

What information do I need to get started?

Basic business details, your policy summary, and a signed agreement are usually all that's needed. Your broker or a GIFI representative can walk you through it.

Who do I contact if I have questions during the term of financing?

You can contact GIFI directly or speak with your broker. We work together to make sure your questions are answered and your financing stays on track.

Can I pay off my financing early?

Yes, clients can pay off their premium financing early. GIFI provides flexible terms, including the option for early repayment without penalty—allowing clients to manage their cash flow on their own timeline.

What happens if I cancel my insurance policy mid-term?

If your policy is cancelled, any unearned premium is refunded and applied to your financing balance. We'll work with your broker to ensure everything is handled properly.

Does GIFI work directly with my broker?

Yes. We partner with brokers across Canada to keep the process seamless and respectful of your existing insurance relationship.

Let’s Connect

Whether you’re a broker looking to offer premium financing or a business exploring your options, we’d love to hear from you. Fill out the form below and a GIFI team member will be in touch to discuss how we can support your goals.
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