Workplace compensation obligations depend on the applicable jurisdiction and operations.
Worker roles, business activities and registration information.
What registration or reporting requirements should be confirmed with the provincial authority?
Start my business enquiry →Hypothetical situation
A worker reports an injury connected to their work.
Ask which wording, conditions and notification requirements would apply. A scenario does not establish coverage or guarantee an outcome.
A provincial no-fault scheme covering workplace injury, funded by employer premiums set by rate group.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
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HDI Global Specialty SE
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Mandatory for most employers, and for most of construction in Ontario including many independent operators.
It is not liability insurance and a clearance certificate is not a certificate of insurance. A general contractor asking for both is asking for two different documents. This confusion is the single most common one on Canadian construction sites.
Entirely Canadian in structure. Each province has its own board, its own rate groups and its own clearance mechanism.
| Canonical name | Workers’ Compensation |
|---|---|
| Abbreviation | WSIB |
| How it is bought | Provincial board, not an insurance policy |
| Category | People |
| Typical limits | Range only, with the basis stated — Canada publishes no commercial tariff |
Limits are written to the exposure and to what your contracts demand, not to a rule of thumb. Any page quoting a single “standard” limit for a class of business is quoting one broker’s habit.
One request, and someone licensed to place this coverage picks it up.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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