Government Programs

Since the beginning of the pandemic, the Government of Canada has released several programs to help Canadians navigate the financial impacts. Below we have summarized the programs that are the most likely to help you and your small business. While some of the programs are now starting to expire or evolve into other programs, pay attention to the details – you may still be eligible to claim based on what took place earlier in the year.

The government’s complete economic response can be found here.


Canada Emergency Rent Subsidy (CERS)

Canadian businesses who have seen a drop in revenue due to COVID-19 may be eligible for this program which covers a portion of commercial rent or property expenses, starting on September 27, 2020, until June 2021. This subsidy will provide payments directly to qualifying renters and property owners, without requiring the participation of landlords. 

If your business is eligible for the base subsidy, you may also be eligible for lockdown support if your business has been significantly impacted by a public health order for a week or more.

Canada Emergency Rent Subsidy (CERS) –

Canada Emergency Wage Subsidy (CEWS)

This program supports Canadian employers who have seen a drop in revenue due to COVID-19. If your business is eligible, the program will cover a portion of your employee wages. The October 14th Speech From The Throne has committed to extending this program through June 2021, and the deadline to apply is January 31, 2021, or 180 days after the end of the claim period, whichever comes later.

Canada Emergency Wage Subsidy (CEWS)

Extending The Work Sharing Program

This program provides income support to employees eligible for employment insurance who agree to reduce their normal working hours because of developments beyond the control of their employers. 

Extending the Work Sharing Program

10% Temporary Wage Subsidy

This is a three-month measure that allows eligible employers to reduce the number of payroll deductions they need to remit to the Canada Revenue Agency (CRA). The subsidy is equal to 10% of the remuneration you pay between March 18 to June 19, 2020, up to $1,375 for each eligible employee. The maximum total is $25,000 for each eligible employer. 

[Please note – while the applicable dates for this subsidy have passed, retroactive applications can still be made provided your business had a CRA payroll account on March 18, 2020, and paid remuneration during March 18th and June 19, 2020.]

10% Temporary Wage Subsidy for Employers


Canada Emergency Business Account (CEBA) Interest Free Loans

This program provides interest-free loans of up to $40,000 to small businesses to help cover their operating costs during a period where their revenues have been temporarily reduced. 

There has been a recent proposal to expand the CEBA to include an additional interest-free $20,000 loan, 50% of which would be forgivable if repaid by December 31, 2022. Details are coming soon.

Regional Relief and Recovery (RRRF)

This program, accessed through your local Regional Development Agency, intends to help businesses and organizations in sectors such as manufacturing, technology, tourism and others that are key to the regions and to local economies. This fund is specifically targeted to those that have been unable to access other support measures.

Regional Relief and Recovery Fund: Overview

Additional Support By Sector

There have also been targeted programs listed under ‘support for sectors’, and these sectors include: Agriculture and agri-food; Aquaculture and fisheries; Culture, heritage and sport; Air Transportation; Tourism; Energy; and Academic and research.


Canada Recovery Benefit (CRB)

The CRB provides $500 per week for up to 26 weeks for workers who have stopped working or had their income reduced by at least 50% due to COVID-19 and not eligible for Employment Insurance. 

How to apply: Canada Recovery Benefit (CRB)

Canada Recovery Sickness Benefit (CRSB)

The CRSB provides $500 per week for up to a maximum of two weeks for employers who:

  1. Are unable to work for at least 50% of the week because they contracted COVID-19
  2. Are self-isolated for reasons related to COVID-19
  3. Have underlying conditions, are undergoing treatments or have contracted other sicknesses that, in the opinion of a medical practitioner, nurse practitioner, person in authority, government or public health authority, would make them more susceptible to COVID-19

Canada Recovery Sickness Benefit (CRSB)

Canada Recovery Caregiving Benefit (CRCB)

The CRCB provides $500 per week for up to 26 weeks per household for workers: 

  1. Unable to work for at least 50% of the week because they must care for a child under the age of 12 or family member because schools, day-cares or care facilities are closed due to COVID-19 
  2. Because the child or family member is sick and/or required to quarantine or is at high risk of serious health implications because of COVID-19

Canada Recovery Caregiving Benefit (CRCB)

Canada Emergency Response Benefit (CERB)

This program has expired. For those continuing to require financial support, find out if you are eligible for Employment Insurance.

Chambers Plan

Chambers Plan

Chambers of Commerce Group Insurance Plan is Canada’s #1 employee benefits plan for small business. Chambers Plan has been protecting Canadian firms for over 40 years. As a not-for-profit, any surpluses are reinvested to the Plan to support industry-leading stability. That's why more than 30,000 small to midsize businesses trust Chambers Plan to protect their employees.