Coverage · FORM WC
Protect your people. Protect your business.
Workers' compensation covers medical treatment and lost wages when an employee is injured or becomes ill due to their work. It's mandatory for most employers in Ontario, and the right policy protects both the worker and the business from the financial consequences of a workplace incident.
What's Covered
What this policy responds to
- ✓Medical expenses and rehabilitation costs for injured workers
- ✓Wage replacement — typically a percentage of the worker's regular earnings
- ✓Death benefits payable to dependants in the event of a fatal workplace injury
- ✓Employer's liability protection against lawsuits from injured employees
- ✓Coverage for occupational disease diagnosed as work-related
- ✓Legal defence costs for covered employer liability claims
Exclusions
What it typically doesn't cover
- ✗Injuries caused by an employee's intentional self-harm or intoxication
- ✗Independent contractors who are not employees (verify classification carefully)
- ✗Claims arising outside the scope of employment
- ✗WSIB-managed claims in Ontario (most employers deal directly with WSIB)
Exclusions vary by carrier and can sometimes be addressed with endorsements. Ask your advisor.
Who Needs This
Businesses that typically carry workers' compensation
All employers with one or more employees in most Canadian provinces
Contractors and trades — high physical risk, mandatory coverage
Restaurants and hospitality businesses with kitchen and service staff
Manufacturers and warehouse operations with equipment exposure
Common Questions
What clients ask before they bind
Is WSIB the same as workers' comp insurance?
In Ontario, most employers are required to register with WSIB (Workplace Safety and Insurance Board), which operates as a no-fault insurance system. Some industries are exempt and may purchase private workers' comp instead. Your advisor will clarify which applies to your business.
What happens if I don't carry it?
Operating without required coverage can result in significant fines, personal liability for claim costs, and back-assessments. It also exposes you to civil suits that workers' comp would otherwise bar.
Do I need coverage for part-time or seasonal workers?
Yes. Coverage obligations apply to all workers — part-time, seasonal, and temporary — not just full-time employees.
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