02 · Mandatory cover
Three requirements catch almost every company that opens here.
Short answer
Workers’ compensation through each public board, auto liability everywhere, and the limits and certificates your landlords, clients, lenders and regulators require.
Public boards
Run by a public board in each province and territory, not private insurers. Registration is mandatory for most employers, with board-specific deadlines.
Non-resident employers with local workers are generally caught. Exempt industries vary by board.
Compulsory everywhere
In BC, Saskatchewan and Manitoba basic cover comes from the public insurer; Quebec splits it between the SAAQ and private insurers.
Contracts and licensing
Landlords, clients, lenders and some professional regulators will require specific limits (often CGL, property, E&O) and certificates naming them.
Registration is mandatory for most employers, with board-specific deadlines. It is run by a public board in each province and territory, not private insurers. Ontario's WSIB, for example, requires registration within 10 calendar days of the first hire.
Non-resident employers with local workers are generally caught. Exempt industries vary by board.
No. Auto liability is compulsory everywhere and a global auto program will not satisfy local requirements. In BC, Saskatchewan and Manitoba basic cover comes from the public insurer; Quebec splits it between the SAAQ and private insurers.
Tell us where you’ll have staff, property, vehicles or customers. We’ll get back to you.