2026 premium rates

We’re lowering the average premium rate for Ontario businesses in 2026 to $1.23 per $100 of insurable payroll, the lowest it has been in more than 50 years.

The 2026 decrease means we’ve cut the average premium rate by more than 50 per cent over the last decade, resulting in cumulative savings for businesses of approximately $21.5 billion since 2016.

Reducing premium rates in 2026 will help businesses save $60 million compared to 2025, as they face ongoing economic uncertainty.

Accessing your rate(s)

Your 2026 premium rate(s) will be available exclusively online starting in November.

You can sign up for an online services account now, or check out our online services FAQs for a step-by-step guide.

If you already have an online services account, log in and select ‘view your statements’ to sign up for online statements. You can also send us a message directly through your online services account if you have any questions about your rate(s) and we’ll respond promptly.

2026 technical rate sessions

We’re offering two technical rate session webinars hosted by our actuarial team to learn more about how 2026 premium rates were set.

Select the session you would like to attend and complete the registration form:

December 3, 2025 from 1 to 2 p.m.

December 5, 2025 from 11 a.m. to 12 p.m.

You’ll receive an email confirming your participation and a link to the upcoming webinar once you complete the registration form.

These sessions will be in English. Please contact us at [email protected] if you’d like to participate in a session in French or if you have any questions.

Understanding your 2026 rate(s)

Your 2026 premium rate statement provides you with the following information:

Your North American Industry Classification System (NAICS) classification.
Your rate, which is the actual rate you will pay and use to calculate your 2025 premiums throughout the year.
Your projected rate, which gives the future direction, up or down, that your premium rate is headed if there is no change in your individual and class experience from year-to-year.

Your premium rates for 2026 are set using claims and insurable earnings data as of January 31, 2025. We assign new businesses the class rate of the class/subclass in which they’re placed based on their business activity.

Businesses with projected premium rate increases or decreases will see their rates move up or down a maximum of three risk bands each year from their prior year risk band (approximately 15 per cent),* until they reach their projected premium rate.

*Please note: In rare circumstances, risk band movement may result in a rate change lower or greater than the approximate percentage indicated. The risk band movement approach does not apply to non-profit organizations. Please review our premiums and payments FAQs or non-profit organization policy, for more information.

Maximum insurable earnings

The maximum insurable earnings ceiling for 2026 is $121,700, compared to $117,000 in 2025. Changes to the maximum insurable earnings ceiling are directly linked to changes in average earnings in Ontario as measured by Statistics Canada, and provisions under the Workplace Safety and Insurance Act.

2026 class rates

The following class rates are based on the shared risk of all the businesses that do the same type of work in each class. Your rate reflects your individual experience relative to your class.

Efforts to improve return-to-work and health and safety practices can influence class rate changes over time and you can improve your rate by making your workplace safer.

As a WSIB-registered business, there are many health and safety resources available to you, including free access to the Canadian Centre for Occupational Health and Safety’s Business Safety Portal through our online services and membership to a Health and Safety Association. You can also join our Health and Safety Excellence program to start earning rebates on your premiums.

Class rate table
Class	Class description	2026 Class rates ($)
A	Agriculture 2026 class rate is the same as in 2025 increase in lost time injury claim costs and claim count was offset by a decrease in no lost time injury claim costs largest increase in claim costs was related to fractures soft tissue injuries and sprains, strains and tears also had large increases in claim costs	1.90
B	Mining, Quarrying and Oil and Gas Extraction 2026 class rate increased by four per cent compared to 2025 new claims costs performed worse than other classes because lost time injury and no lost time injury claim costs increased largest increase in claim costs was related to malignant neoplasms and tumors businesses will benefit from a lower mine rescue flat charge, which is separate from the class rate	2.01
C	Utilities 2026 class rate decreased by 13 per cent compared to 2025 new claims cost performed better than other classes because lost time injury total claim costs and no lost time claim count decreased administration component decreased because of improved new claims cost largest decrease in claims cost was related to bruises and contusions	0.56
D1	Educational Services 2026 class rate decreased by 11 per cent compared to 2025 new claims cost performed better than other classes because total claim costs and claim count decreased, especially in no lost time injury claims total mental stress claim costs also decreased administration component decreased because of improved new claims cost	0.33
D2	Public Administration 2026 class rate increased by two per cent compared to 2025 new claims costs performed worse than other classes because total claim costs increased, largely due to lost time injury claims legislative update for firefighter presumptive cancer coverage resulted in additional new claim costs largest increase in claim costs was related to mental stress claims, including post-traumatic stress claims neoplasms and tumors claims also increased	3.49
D3	Hospitals 2026 class rate increased by two per cent compared to 2025 new claims cost performed worse than other classes because total claim costs and claim count increased, especially in lost time injury claims largest increase in claim costs was related to mental stress claims, including post-traumatic stress claims	1.09
E1	Food, Textiles and Related Manufacturing 2026 class rate increased by one per cent compared to 2025 new claims cost performed worse than other classes because total claim costs increased, in both lost time and no lost time injury claims largest increase in claim costs was related to fractures	1.31
E2	Non-Metallic and Mineral Manufacturing 2026 class rate decreased by three per cent compared to 2025 new claims cost performed better than other classes because claim count and mental stress claim costs decreased largest increase in claim costs was related to hemorrhages, followed by mesothelioma	1.94
E3	Printing, Petroleum and Chemical Manufacturing 2026 class rate decreased by five per cent compared to 2025 new claims cost performed better than other classes because lost time injury claim costs and claim count decreased largest decrease in claim costs was related to mesothelioma	1.02
E4	Metal, Transportation Equipment and Furniture Manufacturing 2026 class rate decreased by one per cent compared to 2025 new claims cost performance was consistent with Schedule 1, so class rate decreased slightly increase in total claim costs and average claim costs was offset by decrease in claim counts largest increase in claim costs was related to mental stress claims	1.74
E5	Machinery, Electrical Equipment and Miscellaneous Manufacturing 2026 class rate increased by one per cent compared to 2025 new claims cost performed slightly worse than other classes, so class rate increased slightly total average claim costs increased, especially in mental stress claims largest increase in claim costs was related to sprains, strains and tears	1.21
E6	Computer and Electronic Manufacturing 2026 class rate increased by seven per cent compared to 2025 new claims cost performed worse than other classes because total claim costs and average cost increased in both lost time and no lost time claims largest increase in claim costs was related to mesothelioma	0.31
F1	Rail, Water, Truck Transportation and Postal Service 2026 class rate decreased by one per cent compared to 2025 new claims cost performed better than 2025, consistent with the Schedule 1 average total claim counts decreased, partially offset by an increase in average cost of claims largest increase in claim costs was related to traumatic injury to spinal cord, followed by other traumatic injuries and disorders	3.41
F2	Air, Transit, Ground Passenger, Recreational and Pipeline Transportation, Courier Services and Warehousing 2026 class rate increased by one per cent compared to 2025 new claims cost performed worse than other classes because total claim costs and claim count increased in both lost time and no lost time injury claims largest increase in claim costs was related to sprains, strains and tears mental stress claim costs also increased	1.43
G1	Residential Building Construction 2026 class rate decreased by six per cent compared to 2025 new claims cost performed better than other classes because average claim costs decreased, especially in lost time injury claims largest increase in claim costs was related to intracranial injuries	2.18
G2	Infrastructure Construction 2026 class rate decreased by one per cent compared to 2025 new claims cost performance was consistent with other classes, so class rate decreased slightly total claim counts decreased, but total claim costs and average claims cost increased largest increase in claim costs was related to traumatic injuries and disorders, followed by concussions	1.72
G3	Foundation, Structure and Building Exterior Construction 2026 class rate increased by one per cent compared to 2025 new claims cost performed worse than other classes total average claim costs increased, especially in lost time injury claims largest increase in claim costs was related to traumatic injuries and disorders	3.55
G4	Building Equipment Construction 2026 class rate increased by three per cent compared to 2025 new claims cost performed worse than other classes total claim costs and average claim costs increased, especially in lost time injury claims largest increase in claim costs was related to fractures	1.54
G5	Specialty Trades Construction 2026 class rate is the same as in 2025 small increase in average claim costs, especially for no lost time injury claim largest increase in claim costs was related to fractures	2.15
G6	Non-residential building Construction 2026 class rate increased by three per cent compared to 2025 new claims cost performed worse than other classes increase in no lost time claim costs and total claim count largest increase in claim costs was related to traumatic injuries and disorders	1.61
H1	Petroleum, Food, Motor Vehicle and Miscellaneous Wholesale 2026 class rate increased by four per cent compared to 2025 new claims cost performed worse than other classes because average claim cost increased largest increase in claim costs was related to cerebral hemorrhage, followed by lymphoma and mesothelioma	1.52
H2	Personal and Household Goods, Building Materials and Machinery Wholesale 2026 class rate increased by one per cent compared to 2025 new claims cost performed worse than other classes because total claim costs increased, especially in no lost time injury claims largest increase in claim costs was related to mesothelioma, followed by sprains, strains and tears	0.76
I1	Motor Vehicles, Building Materials and Food and Beverage Retail 2026 class rate increased by three per cent compared to 2025 new claims cost performed worse than other classes because total claim costs increased in both lost time and no lost time injury claims largest increase in claim costs was related to soft tissue injury	1.23
I2	Furniture, Home Furnishings, Clothing and Clothing Accessories Retail 2026 class rate decreased by one per cent compared to 2025 new claims cost performed slightly better than last year because total claim costs decreased largest decrease in claim costs was related to bruises, contusions	0.87
I3	Electronics, Appliances and Health and Personal Care Retail 2026 class rate decreased by six per cent compared to 2025 new claims cost performed better than last year largest decrease in claim costs was related to sprains, strains, and tears largest increase in claim costs was related to concussions	0.33
I4	Specialized Retail and Department Stores 2026 class rate is the same as in 2025 average claim costs increased largest increase in claim costs was related to soft tissue injury such as bruises and contusions mental stress claim costs also increased	0.95
J	Information and Culture 2026 class rate is the same as in 2025 new claims cost performed worse than other classes because total claim costs increased, especially in lost time injury claim costs largest increase in claim costs was related to fractures	0.41
K	Finance, Management and Leasing 2026 class rate decreased by eight per cent compared to 2025 new claims cost performed better than other classes because claim count decreased administration component decreased because of improved new claims cost and higher projected insurable earnings largest decrease in claim costs was related to fractures	0.72
L	Professional, Scientific and Technical 2026 class rate is the same as in 2025 increase in total claim costs and average claim costs largest increase in claim costs was from concussions	0.18
M	Administration, Services to Buildings, Dwellings and Open Spaces 2026 class rate increased by six per cent compared to 2025 new claims cost performed worse than other classes because average claim costs increased largest increase in claim costs was related to mental stress claims, followed by cerebral hemorrhages	1.43
N1	Ambulatory Health Care 2026 class rate increased by one per cent compared to 2025 new claims performed worse than other classes total claim costs increased in both lost time injury and no lost time injury claim costs largest increase in claim costs was related to mental stress claims	1.59
N2	Nursing and Residential Care Facilities 2026 class rate increased by one per cent compared to 2025 new claims cost performed worse than other classes total claim costs and average claim costs increased largest increase in claim costs was related to mental stress claims	2.10
N3	Social Assistance 2026 class rate decreased by one per cent compared to 2025 new claims cost performed consistently with Schedule 1, so class rate decreased total claim costs increased, especially in lost time injury claims largest increase in claim costs was related to mental stress claims	1.38
O	Leisure and Hospitality 2026 class rate decreased by five per cent compared to 2025 better new claims cost performance compared to last year total claim costs and claim count decreased, especially no lost time injury claims largest decrease in claim costs was from soft tissue injury administration component decreased because of improved new claims cost	0.90
P	Other services 2026 class rate increased by one per cent compared to 2025 new claims cost performed slightly worse than other classes because total claim costs increased in both lost time and no lost time claims largest increase in claim costs was from concussions	1.28

Non-exempt partners and executive officers in construction

Non-exempt partners and executive officers in construction classified under rate group 755 in our previous rate-setting model continue to receive a separate premium rate. This premium rate reflects the low risk of their work in comparison to the rest of the construction industry. The same premium rate is assigned to all non-exempt partners and executive officers in construction in a given year, although they are classified under any one of the six construction subclasses depending on the operations of their construction business. The 2026 rate for this group is $0.20.