2027 premium rates

We’re lowering the average premium rate for Ontario businesses in 2027 to $1.18 per $100 of insurable earnings, down from $1.23 in 2026, and from $2.35 in 2018.

Ontario’s average premium rate will now be almost 30 per cent below the national average. The 2027 reduction leaves $160 million in Ontario’s economy to support jobs and investments in innovation and health and safety during ongoing economic uncertainty.

Accessing your rate(s)

Your 2027 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).

Question about premium rates?

There’s an FAQ for that

https://www.wsib.ca/en/businesses/premiums-and-payment/premiums-and-payment-faqs

Understanding your 2027 rate(s)

Your 2027 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 2027 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 2027 are set using claims and insurable earnings data as of April 30, 2026. 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 2027 is $126,700, compared to $121,700 in 2026. 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.

2027 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 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.

Changes to our in-year rate adjustment process

We're always looking for ways to make it easier for you to work with us so that you can focus on running your business. Starting January 1, 2027, you’ll find it easier to manage your account with us because we’re reducing the number of times your premium rate may change during the year.
Most of the time, your premium rate won’t change if you make small changes to your business. If we need to adjust your rate during the year based on major changes you make to your business, you’ll receive updated rate information in your online services account after we’ve processed the change.

Reducing the types of business changes that may result in premium rate adjustments during the year will allow you to complete routine account transactions, like changing your business address, more smoothly and help us to provide businesses with better rate predictability.

We aren’t making changes to how we calculate rates, only when we adjust rates outside of the annual rate-setting cycle.

Learn more

Class rate table
Class	Class details *All information is specific to claims within each class	2027 Class rates ($)
A	Agriculture The 2027 class rate decreased by 1.6 per cent compared to 2026 New claims cost performed worse than other classes The number of lost-time injury claims increased The average claim cost increased for lost-time injury and no-lost-time injury claims Largest increase in claim cost was related to traumatic injuries and disorders	1.87
B	Mining, quarrying and oil and gas extraction The 2027 class rate decreased by 2 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number of lost-time and no-lost-time injury claims Businesses will benefit from a lower mine rescue flat charge, which is separate from the class rate Largest increase in claim cost was related to hand/arm vibration syndrome	1.97
C	Utilities The 2027 class rate decreased by 1.8 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in lost-time injury average claim cost Largest increase in claim cost was related to traumatic fatalities, followed by concussions	0.55
D1	Educational services The 2027 class rate decreased by 9.1 per cent compared to 2026 New claims cost performed better than other classes The number of no-lost-time injury claims decreased The number and average cost of mental stress-related claims decreased Largest increase in claim cost was related to bruises and contusions	0.30
D2	Public administration The 2027 class rate decreased by 8.9 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in average claim cost for lost-time and no-lost-time injury claims The number of mental stress injury claims decreased Largest increase in claim cost was related to sprains, strains and tears	3.18
D3	Hospitals The 2027 class rate increased by 1.8 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims The number and cost of mental health claims continued to increase Largest increase in claim cost was related to sprains, strains and tears	1.11
E1	Food, textiles and related manufacturing The 2027 class rate decreased by 10.7 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in average claim cost for lost-time and no-lost-time injury claims Largest increase in claim cost was related to strains, sprains and tears	1.17
E2	Non-metallic and mineral manufacturing The 2027 class rate decreased by 11.9 per cent compared to 2026 New claims cost performed better than other classes The number of lost-time and no-lost-time injury claims decreased Largest increase in claim costs was related to traumatic fatality claims	1.71
E3	Printing, petroleum and chemical manufacturing The 2027 class rate decreased by 13.7 per cent compared to 2026 New claims cost performed better than other classes An increase in the number and average cost of lost-time injury claims was offset by a decrease in the number and average cost of no-lost-time injury claims Largest increase in claim cost was related to cancer	0.88
E4	Metal, transportation equipment and furniture manufacturing The 2027 class rate decreased by 11.5 per cent compared to 2026 New claims cost performed better than other classes The number and average cost of lost-time and no-lost-time injury claims decreased Largest increase in claim cost was related to cancer	1.54
E5	Machinery, electrical equipment and miscellaneous manufacturing The 2027 class rate decreased by 9.1 per cent compared to 2026 New claims cost performed better than other classes The number of lost-time and no-lost-time injury claims decreased The number and cost of mental stress related claims continued to increase Largest increase in claim cost was related to fractures	1.10
E6	Computer and electronic manufacturing The 2027 class rate decreased by 6.5 per cent compared to 2026 New claims cost performed better than other classes The number of lost-time and no-lost-time injury claims decreased Largest increase in claim cost was related to fractures	0.29
F1	Rail, water, truck transportation and postal service The 2027 class rate increased by 0.6 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims. Largest increase in claim cost was related to traumatic injuries, followed by fractures	3.43
F2	Air, transit, ground passenger, recreational and pipeline transportation, courier services and warehousing The 2027 class rate increased by 2.8 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims Largest increase in claim cost was related to sprains, strains and tears, followed by fractures The number and cost of traumatic fatality claims also increased	1.47
G1	Residential building construction The 2027 class rate decreased by 5 per cent compared to 2026 New claims cost performed slightly better than other classes An increase in the average cost of lost-time injury claims was offset by a decrease in the number of lost-time and no-lost-time injury claims Largest increase in claim costs continued to be related to intracranial injuries	2.07
G2	Infrastructure construction The 2027 class rate decreased by 2.9 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims, but the class benefited from the overall Schedule 1 average rate decrease Largest increase in claim cost was related to traumatic fatalities	1.67
G3	Foundation, structure and building exterior construction The 2027 class rate decreased by 3.7 per cent compared to 2026 New claims cost performed consistently with other classes An increase in the average cost for lost-time and no-lost-time injury claims was offset by a decrease in the number of lost-time and no-lost-time claims Largest increase in claim cost was related to traumatic fatality claims, while fracture claims continued to represent a significant portion of total claims	3.42
G4	Building equipment construction The 2027 class rate decreased by 4.5 per cent compared to 2026 New claims cost performed slightly better than other classes An increase in the cost of no-lost-time injury claims was offset by a decrease in the cost of lost-time injury claims Largest increase in claim cost was related to fractures	1.47
G5	Specialty trades construction The 2027 class rate decreased by 4.2 per cent compared to 2026 New claims cost performed consistently with other classes The number and the average cost of lost-time and no-lost-time injury claims decreased Largest increase in claim cost was related to intracranial injuries, followed by fractures	2.06
G6	Non-residential building construction The 2027 class rate decreased by 1.9 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims Largest increase in claim cost was related to fractures	1.58
H1	Petroleum, food, motor vehicle and miscellaneous wholesale The 2027 class rate decreased by 8.6 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in the number and average cost of no-lost-time injury claims Largest increase in claim cost was related to sprain, strains and tears	1.39
H2	Personal and household goods, building materials and machinery wholesale The 2027 class rate decreased by 7.9 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in the average cost of lost-time and no-lost-time injury claims Largest increase in claim cost was related to traumatic injuries and disorders	0.70
I1	Motor vehicles, building materials and food and beverage retail The 2027 class rate decreased by 6.5 per cent compared to 2026 New claims cost performed better than other classes An increase in the cost of lost-time injury claims was offset by a decrease in the number and average cost of no-lost-time injury claims Largest increase in claim cost was related to fractures	1.15
I2	Furniture, home furnishings, clothing and clothing accessories retail The 2027 class rate decreased by 9.2 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in the number and average cost of lost-time and no-lost-time injury claims Largest increase in claim cost was related to intracranial injuries	0.79
I3	Electronics, appliances and health and personal care retail The 2027 class rate decreased by 9.1 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in the average cost of lost-time injury claims The number and cost of mental stress-related claims also decreased Largest increase in claim costs was related to sprains, strains and tears	0.30
I4	Specialized retail and department stores The 2027 class rate decreased by 7.4 per cent compared to 2026 New claims cost performed better than other classes An increase in the number of lost-time injury claims was offset by a decrease in the number of no-lost-time injury claims Largest increase in claim cost was related to fractures	0.88
J	Information and culture The 2027 class rate decreased by 4.9 per cent compared to 2026 New claims cost performed slightly better than other classes An increase in lost-time injury claim costs was partially offset by a decrease in no-lost-time injury claim costs Largest increase in claim cost was related to concussions	0.39
K	Finance, management and leasing The 2027 class rate decreased by 13.9 per cent compared to 2026 New claims cost performed better than other classes An increase in the cost of lost-time injury claims was offset by a decrease in the cost of no-lost-time injury claims Largest increase in claim cost was related to fractures	0.62
L	Professional, scientific and technical The 2027 class rate decreased by 16.7 per cent compared to 2026 New claims cost performed better than other classes There was a decrease in the number of lost-time and no-lost-time injury claims Largest increase in claim cost was related to fractures	0.15
M	Administration, services to buildings, dwellings and open spaces The 2027 class rate decreased by 8.4 per cent compared to 2026 New claims cost performed better than other classes driven by a decrease in the number and average cost of no-lost-time injury claims Largest increase in claim cost was related to concussions	1.31
N1	Ambulatory health care The 2027 class rate decreased by 0.6 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number of lost-time and no-lost-time injury claims Largest increase in claim cost was related to fractures, followed by post-traumatic stress	1.58
N2	Nursing and residential care facilities The 2027 class rate increased by 2.4 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of claims, especially for lost-time injury claims Largest increase in claim cost was related to sprains, strains and tears The number and cost of mental health claims also increased	2.15
N3	Social assistance The 2027 class rate decreased by 0.7 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of claims, especially for lost-time injury claims Largest increase in claim cost was related to fractures Mental health claim costs continued to increase	1.37
O	Leisure and hospitality The 2027 class rate decreased by 2.2 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average cost of lost-time injury claims Largest increase in claim cost was related to fractures	0.88
P	Other services The 2027 class rate increased by 0.8 per cent compared to 2026 New claims cost performed worse than other classes driven by an increase in the number and average claim cost of lost-time injury claims Largest increase in claim cost was related to rotator cuff tears	1.29

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 2027 rate for this group is $0.23.

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Updated: November 6, 2026