ahh good old Bell Canada, I switched to voip at home and couldn't be happier, I pay about $2.50 a month for my home phone, bell wants 10x that!
I can't say that I would be quite ready to make the switch to VOIP for the business though, maybe in a few years.
unfortunatly, Bell owns all the physical lines in Canada, so unless you go with VOIP or a cell phone, your lines will still go down no matter what company you write the cheque to.
Check out Wind mobile, they have some great unlimited cell phone plans.