Prevention Mutual Groups

It is open to small and medium-sized businesses, large companies, employer associations and non-profit organizations (NPOs). Eligible employers must pay between $5,000 and approximately $400,000 in contributions per year to the CNESST.

Savings on CNESST contributions.
A prevention mutual group allows you to benefit from the global experience of the group of employers in a mutual group. Generally, a prevention mutual group allows you to obtain savings on your CNESST contributions of 20% to 50%.

Action Plan or OHS Prevention Program
For peace of mind, our preventionists will work with you to develop a prevention plan adapted to your organization. It aims to identify, correct, and control the risks present in the workplace and includes concrete measures to achieve this.

Health Program.
It aims to identify, correct, and control psychosocial risks (PSR) in the workplace.

Management of CNESST claim files.
To mitigate the challenges of the labour shortage and avoid unpleasant surprises on your future contributions, our team will manage your OHS files. We make sure to keep your employees employed and minimize the financial impact of work-related accidents.

Legal and medical services
Whether you need medical expertise or representation in court, your expenses can be covered by our defence fund included in our first-class prevention mutuals.

Meet your obligations and demonstrate due diligence.
Being a member of a prevention mutual group makes it easier to demonstrate your due diligence with respect to the obligations of Bill 27 modernizing the occupational health and safety system.

When joining a prevention mutual, it takes 3 years before you can save on your contributions. During the first 2 years, only the employer’s experience is used to calculate the rate. Thereafter, the rate will be calculated with the experience of the employer and the mutual insurance company. Finally, the savings will be at their full potential in the 5th year, since only the experience of the mutual company will be used.

The savings related to the performance of a mutual group vary according to various factors, such as the composition of the membership, the selection criteria, the handling of workers’ compensation cases, and prevention. Therefore, we advocate proactive management to ensure the best possible control over the performance of our prevention mutuals.

Simply apply online and a member of our team will conduct an analysis of your file. To verify your eligibility, we will need authorization to access your CNESST electronic window. A detailed proposal of services, as well as a scenario of future savings will be sent to you.

The deadline for joining a prevention mutual is September 30. However, if your company is already part of a mutual insurance company, pay particular attention to the automatic renewal date of your contract, often set on June 30.