Types of Coverage
Mandatory Workplace Insurance Coverage
This is the coverage you must provide if you have three or more workers and do business in a mandatory industry. Apply for coverage here.
Special Protection
Special Protection coverage is available for proprietors and partners of a non-incorporated business.
Special Protection is available in amounts from a minimum of $10,200 per year up to the maximum assessable earnings figure confirmed by us at the beginning of each year. The coverage is renewable every year and becomes effective when both the application and full payment are received by the WCB.
Note: if a proprietor or partner chooses to provide Special Protection for themselves, they are also required to cover any workers they hire. The three-person rule no longer applies.
It is important to keep in mind when you purchase Special Protection coverage, payable amounts are based on the lesser of your actual earnings or the amount of coverage purchased.
Voluntary Coverage
You may choose to provide coverage for your workers even if you have fewer than three or don’t work in a mandatory industry.