Workers compensation coverage is mandatory for most employers in Manitoba. If you’re in a mandatory industry, everyone who works for your business – with the exception of the sole proprietor, partner or director – is entitled to workers compensation coverage, regardless of their hours worked, the structure of their pay or the nature of their work.
Every employer is covered by workers compensation unless they are expressly excluded in the regulation; however, you can still choose to purchase optional coverage if your industry is excluded. When opting for WCB coverage, you must include all of your workers. Optional coverage provides you with peace of mind and the advantages of no-fault insurance. If a workplace injury occurs, you’re protected from liability, and your workers are provided with wages and extended healthcare benefits.
WCB Manitoba has maintained an average rate of $0.95, one of the lowest average rates in Canada, and can offer competitive rates for different packages, which include: Optional Worker Coverage, Personal Coverage, Farm Family Coverage and Coverage for Volunteers.