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Homeโ€บCanadaโ€บWorkers' Comp Calculator

Workers' Compensation Calculator Canada 2025

Estimate WCB/WSIB employer premiums by province and industry, compare rates across Canada, and calculate injury benefit payments.

Each province has its own WCB board and rate schedule
Rates vary significantly by industry risk level
$
Total assessable payroll for all workers
โ€”
Estimates only. Actual premiums depend on your classification unit and experience rating. Contact your provincial WCB for exact rates.

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How to Use This Calculator

Tab "Premium Estimate"

Select your province, choose your industry classification (e.g., construction, manufacturing, retail), and enter your total insurable payroll. The calculator shows your estimated annual WCB/WSIB premium and the rate per $100 of payroll.

Tab "Compare Provinces"

Select an industry to see how WCB premium rates compare across all 13 provinces and territories. Rates can vary dramatically โ€” a construction company in Alberta may pay half what one in Newfoundland pays.

Tab "Claim Estimator"

Enter the worker's annual earnings, select the province, and specify the expected injury duration in weeks. The calculator estimates weekly benefits based on the province's benefit rate (85% or 90% of net earnings).

The Formula

Employer premium calculation:
Annual premium = (Assessable payroll ร— Rate per $100) รท 100

Worker benefit calculation:
Weekly benefit = Weekly net earnings ร— Benefit rate
Where benefit rate = 85% (ON, NB, NS, PE, NL) or 90% (BC, AB, SK, MB, QC, NT, NU, YT)

Key variables:
Rate per $100: Set by provincial WCB based on industry classification
Assessable payroll: Total insurable wages paid to all workers
Max insurable earnings: Varies by province ($66Kโ€“$113K range)

Example

Maple Construction Inc. โ€” Ontario, $500,000 Payroll, Construction Industry

A construction company in Ontario with 8 workers and $500,000 total assessable payroll.

ProvinceOntario (WSIB)
IndustryConstruction
Rate per $100 payroll$4.50
Assessable payroll$500,000
Annual premium$22,500
Monthly cost$1,875

If a worker earning $60,000/year is injured for 12 weeks, estimated WCB benefits: ~$830/week (85% of net), totaling ~$9,960.

Frequently Asked Questions

Forestry and logging typically have the highest rates ($5โ€“$10+ per $100 payroll), followed by construction ($3โ€“$8), and mining ($3โ€“$7). These industries involve higher physical risk and more frequent workplace injuries. By contrast, office and clerical work has the lowest rates ($0.20โ€“$0.50 per $100).
WCB benefits are generally not taxable income for the worker. However, they must be reported on your tax return as they may affect other income-tested benefits. The employer's WCB premiums are a tax-deductible business expense.
Experience rating adjusts your premium based on your company's actual claims history compared to others in your rate group. If you have fewer claims than average, you may receive a rebate or surcharge reduction. If you have more claims, your premiums increase. Programs like Ontario's WSIB Prospective Experience Rating can significantly impact costs for larger employers.
No. Workers' compensation operates on a "historic compromise" โ€” workers receive guaranteed no-fault benefits regardless of who caused the injury, and in exchange, employers are protected from lawsuits by their workers for workplace injuries. This is a fundamental principle of the Canadian WCB system.
Contact your provincial WCB board (WSIB in Ontario, WorkSafeBC in BC, etc.) to register. You'll need your business number, industry description, estimated payroll, and number of workers. Most provinces require registration within a few days of hiring your first worker. Penalties apply for late or non-registration.

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