Workers' Compensation — Protect Your Team and Your Business
When an employee is injured at work, workers' compensation ensures they receive medical care and income replacement — while protecting your business from costly lawsuits.
What is Workers' Compensation Insurance?
Workers' compensation (WCB/WSIB) insurance provides benefits to employees who suffer work-related injuries or illnesses. In most Canadian provinces, employers with employees are legally required to carry workers' compensation coverage through a provincial board or private insurer.
What's Covered
- Medical and rehabilitation costs for work-related injuries
- Lost wage replacement for injured employees
- Permanent disability benefits
- Death and survivor benefits for fatal workplace accidents
- Legal protection — employees waive the right to sue when receiving WCB benefits
- Return-to-work program support
Who Needs This Coverage?
Any Canadian employer with workers is legally required to register with their provincial workers' compensation board. Even if not legally mandated in your province for your category, it is strongly recommended to protect both employees and your business assets.
How Much Does It Cost?
Workers' compensation premiums vary by province and industry risk classification. Rates are typically calculated as a percentage of your payroll — ranging from 0.2% to over 10% depending on the hazard level of your industry.
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Did You Know?
Many commercial contracts and leases require proof of insurance before you can start work.
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