The WCB divides all employers into specific industries for the purposes of setting premiums. You’re classified in an industry with other employers who run similar businesses and share similar risks. Premium rates are then set according to these industry classifications. The rates will vary from industry to industry, reflecting the loss experience for each group.

There’s a strong financial incentive for employers to be classified in a rate group with the lowest possible premium rate. Blue Collar conducts a review of your overall operations to ensure you’re in the ideal rate group and hence paying the lowest possible premiums.