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In Ontario, the Workplace Safety and Insurance Act contains two Schedules listing all employers for which coverage is compulsory. Schedule 2 employers are permitted to self-insure. Among those employers are Municipal Corporations, boards, public utilities, commissions, libraries and school boards.

The WSIB administers all claims in accordance with the Act and bills the employer for the cost of claims and an administration charge.

To limit the Schedule 2 Employer’s exposure to catastrophic and long–tail losses, Excess Workers’ Compensation coverage can be purchased. Coverage is provided above a predetermined deductible or retention and limits of up to $20 million for each claim are available.

FCA’s commercial insurance specialists are experts in Workers Comp coverage’s and options. Ask us for more information.