WSIB Coverage Benefits

As of January 1 2013, in Ontario, Workplace Safety Insurance Board coverage is required by law, Bill 119, for almost all people working in the construction sector. For the first time, that includes business owners, who likely have private insurance. Now these independent operators, sole proprietors, partners in a partnership and executive officers without workers (general contractors) need WSIB coverage as well and it’s much more comprehensive than any private insurance.

WSIB coverage provides benefits that private insurance often does not. With the WSIB, coverage provides:

Job Safety Seton WSIB

In addition, those covered by the WSIB are part of the health and safety prevention system, and the corresponding educational and training supports provided to the construction sector by the Infrastructure Health and Safety Association. WSIB coverage will allow you to benefit from these services.


  1. Greetings:
    As mentioned in your article, some of us already have insurance coverage. In my case I have insurance policies that are good 24/7 any where in the world for any type of injury or illness.
    As WSIB has been mismanaged and are in debt for billions now the construciton personnel have to bail them out. It seems that when a government agency is mismanaged the consumer has to pay. I have said years ago that those in the industry doing work in the construction sector and who are not paying into the fund should be. Maybe this would of helped to keep the costs down.
    I feel that if one can prove their insurance coverage is superior to the WSIB insurance plan they should be excempt from paying into this fund. Why should one be penalized and having to take on the WSIB plan?
    As a consultant I travel across Canada and have worked internationally. In this case the WSIB coverage does nothing for me, thus I have coverage to meet this situation.

    • Mike Erskine-Kellie says:

      Hi Bob,

      Thank you for your very thoughtful and insightful comment. We really appreciate the input. You make several valid points and we’ll do further follow-ups and updates on this.

      All best,


    • this new Bill 119 from WSIB in only a “cash grash”

      nothing is good for the contractor

      we all have private insurance, we don’t need extra coverage

      and the price is not competitive to any other insurance company

      I can’t believe the ministry took 5 years to make a new law like this one !!!!

      • Sandy Naiman says:

        Hi Juliette,

        Please forgive me for taking so long to respond to your comment, but I was out of town.

        Thanks for writing. We appreciate hearing what’s on your mind and your reactions to our stories. Also, it’s so important for you to have a place to express your concerns and they help us to understand different perspectives on the areas we cover here.

        We hope you’ll keep reading and commenting. This dialogue is vital to what Job Safety and our magazine is all about. We’re all learning together.

        Take care and again, thanks for your input.


    • Devil's advocate says:

      Now I wonder if WSIB will pay 85% of net average earnings and I am a business owner who must now be covered under the new WSIB scheme.

      If last year I earned $300,000 in personal earnings can I get hurt and collect 85% of that until I’m good to go back to work.

      Basically collect $255,000 dollars a year.

      WSIB could effectively fund my retirement I mean my sore aching slipped disk. :)

      I think I like this new plan.

  2. dwayne gale says:

    Can someone please respond to the actual concerns that people have with this new bill.
    All we are getting is the typical,”you have made some valid points, thanks for wasting your time contacting us, now start paying because no matter what you say or do we have the legal right to screw you”. Basically your saying the bill is here and it’s staying.
    This comes as no surprise to anyone that has ever tried to get a pig’s nose out of a trough.
    In the last two years our federal government have implemented HST (13%) on contracting work and now WSIB (9%) on contractors, a 22% increase in two years.
    Couple this with income tax (31%) and I am now paying 53% tax on everything I take in.
    That is more than Stephen Harper, more than a bank CEO making 15 million a year, more than the multimillionaire oil barons.
    Add this 53% tax to contractor insurance, private insurance, work vehicle insurance, gas and lease payments, tool purchase and maintenance and you can understand why this new burden is untenable.
    Can you please respond and feel free to correct me if I am in error on any of my points.

    • Hi Dwayne,

      I’m sorry you find our responses lacking but we are not in a position to do anything with anyone’s concerns about WSIB or any other organization that we write about. We have nothing to do with WSIB. We are an online magazine and write on a variety of job safety issues from across Canada. In this case, we have simply provided an article to help people understand some of the changes that WSIB has made.

      We are not experts in any one organization’s policies. We help our readers by getting information on subjects that will be of interest to a broad cross section of visitors to the site. But we certainly can’t speak for WSIB or anyone other than our own publication.

      You might try bringing up your concerns with WSIB. I’m sorry, I don’t think that’s the answer you were looking for. But it’s the best we can do.

  3. jiri proks says:

    So I am business owner paying WCIB and working tools , now I get hurt and I am collecting benefits. Am I allowed to manage my company( 2 employees) and collect the benefits at the same time . There is no answers anywhere just threats to comply.Now another tax grab is this
    Ontario trade college .From $60 for 3 years for the trade licence it is now 120 a year.
    They will never stop until we stop them.

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