Workers' compensation
Also called: Workers' comp, WCB, WSIB, CNESST, Workplace insurance
No-fault cover that pays a worker who is injured on the job, funded by premiums on your payroll. It is run by the province or the state and the rules are genuinely different in each one: whether you must register, whether an owner-operator is covered or excluded, what happens if a sub you hired turns out to be uninsured, and how the premium is calculated. Assuming the arrangement you knew somewhere else still applies is a common and costly mistake.
This one depends on where you work
The rule behind workers' compensation is set by the province or state the work is in, and the versions do not agree with one another. We have described the shape of it and deliberately not named a deadline, a cap or a percentage — check the rule where you work, or ask someone who practises there.
Related terms
- Labour burdenThe true cost of an hour of somebody's time, which is their wage plus everything you pay because they are on your payroll.
- Employee vs. subcontractorWhether someone who works for you counts in law as your employee or as an independent business you hired.
- General liability insuranceCover for damage or injury you cause to someone else or their property while working — the dropped tool through the skylight, the flood in the flat downstairs.
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