As a small business owner, you care about your workers and your bottom line. Workplace incidents can be very costly. Systems and processes that identify and control hazards in your workplace will prevent injuries, and can even reduce your premiums over time.

If you have fewer injuries and lower claims costs than other firms in your rate group, you can receive a discount of up to 50 percent over time.

Your experience rating

Every fall, we send you a letter that shows your base premium rate, your experience rating adjustment, and your net premium rate for the coming year. If you've had a claim, the letter will show how it affected your experience rating. You can also view your premium rate letter at worksafebc.com. See "How much will my coverage cost?".

Improve your experience rating

You can reduce the amount you pay for insurance by improving your experience rating. Here are some resources to help you reduce the costs of claims by creating a safer and healthier workplace and helping injured workers recover.

Prevent injuries

The best way to reduce your insurance costs is to prevent injuries. A good first step is to develop a comprehensive workplace health and safety program. For more information, see "How can I prevent injuries?" on pages 17-20.

Get data to help plan your health and safety initiatives

Our easy-to-use online planning tools and calculators show how changes you make at the workplace can impact injury rates, claim costs, and insurance rates.

• Employer Health and Safety Planning Tool Kit: This secure application lets employers use their own data to plan targeted safety improvements and reduce costs.
• Industry health and safety data: These interactive tools provide information on prevention activities, assessment data, injury rates, and claim costs, by industry and classification unit, as well as by specific health and safety topics.
• Data at a glance: These interactive tools let you explore and understand specific health and safety topics.
• Calculators: These tools help you estimate premiums and calculate the total costs of work-related injuries.

Find these tools at worksafebc.com/shared-data.

Recovery at work

Helping injured workers recover as soon and as safely as possible will lower your injury costs and, over time, will have a positive impact on your experience rating.

Recovering while at work is the healthiest option for most people with work-related injuries. Working is good for physical and mental health, and often helps speed healing. Making safe, sustainable work arrangements for recovering workers takes teamwork. Workers, employers, and health care providers all have important contributions to make.

Our team will work with you, the worker, and the worker's health care team to help develop a return-to-work program that is safe for the worker and suited to your business. See "How can I assist workers with their recovery?" on pages 26-29 for more information.