What is a Prevention Mutual?
A Prevention Mutual is a group of employers who are committed to preventing occupational injuries and aiding injured workers who are returning to work.
When an employer joins a mutual insurance company, he joins a company grouping. By being part of this team, you are still responsible for your company and for OHS, but you all work together with the same goal in mind: to reduce your claims as well as your contributions to CNESST. When a company has to make a claim, it is the entire mutual that is affected, not just one company.
The amount saved by being part of a prevention mutual depends on several factors, including its performance. If there are a large number of claims per year, the savings will be less than a mutual with fewer claims. Working as a team and joining a well-performing mutual will reduce your contributions.
What are the Advantages?
Each company that offers mutuals has both advantages and added value. These can be more generic or they can be personalised. As an example, here are those that we offer to companies that join our prevention mutuals:
- Savings of 25% to 50% on your contributions depending on your performance (provincial average of 20%)
- In-depth knowledge of the field of prevention mutuals
- Individualized service
How Do I Join a Mutual Insurance Company?
If you are interested in joining a business group, there are a variety of options available to you. It can be easy to get lost or confused since each mutual has its own particularities. We therefore advise you to contact an advisor who can help you navigate through the available choices. This person will be able to give you options according to your field and your needs, while remaining impartial according to the choice you make.
The first step is to start with the study of your situation at CNESST. This study is free, without obligation and is carried out by qualified professionals!