Assurance et indemnisation des accidents du travail · Canada
Office-based work; fatigue risk comes from long hours and catastrophe-response surge rosters. The direct safety consequence is low; the cost is errors, productivity and wellbeing.
Réglementation modifiée : 6 oct. 2025Changement prévu : 6 oct. 2026
Veille réglementaire
Les changements réglementaires qui touchent votre gestion de la fatigue en assurance et indemnisation des accidents du travail : ce qui a changé au cours des 12 derniers mois, et ce qui s’en vient.
Les détails réglementaires et les données de recherche de cette page sont présentés en anglais.
Changement récentDepuis le 6 octobre 2025
S’applique à tous les secteurs (Canada)
In Quebec, since 6 October 2025 every establishment must identify and analyze psychosocial risks, including heavy workload, in a prevention program (20+ workers) or action plan.
Voir le changementChangement à venirPrévu à compter de 6 octobre 2026D’ici 12 mois
Quebec employers have until 6 October 2026 to have a prevention program (20 or more workers) or action plan in place that addresses psychosocial risks, including heavy workload.
Changements réglementaires vérifiés au 1 octobre 2026.
Réglementation
Les détails réglementaires et les données de recherche de cette page sont présentés en anglais.
Insurance is provincially regulated employment. Even where OSFI supervises your solvency, your staff are covered by the employment standards, occupational health and safety and human rights law of each province you operate in - insurance is not on the federal list, so the Canada Labor Code does not apply to you as it does to the bank in the same tower. In Ontario that means 11 consecutive hours off each day, 8 hours between shifts, 24 consecutive hours off each week and a 30-minute eating period after 5 hours. Claims and market-conduct rules are consumer protection, not worker safety.
Your workforce is regulated province by province - in Ontario by the Ministry of Labor under the Occupational Health and Safety Act and the Employment Standards Act, with the Human Rights Tribunal and the WSIB. OSFI and regulators such as Ontario's FSRA supervise solvency and market conduct; neither sets employee hours or fatigue rules. Banks and telecom carriers are federally regulated employers; insurers are not.
You owe the provincial general duty to take every precaution reasonable in the circumstances for a worker's protection, and in Ontario a written health and safety policy reviewed at least annually where more than five workers are regularly employed. Employment standards set the hours floor: 8 hours a day and 48 a week absent written agreement, 11 consecutive hours off each day which cannot be waived, 8 hours between shifts, 24 consecutive hours off each week or 48 in two weeks, and a 30-minute eating period after 5 consecutive hours. Human rights law requires you to accommodate a diagnosed sleep disorder to undue hardship.
Ontario's Occupational Health and Safety Act carries fines of up to $2,000,000 for a corporation, $1,500,000 for a director or officer and $500,000 for any other individual, the last two with up to 12 months' imprisonment, plus a $500,000 minimum for a repeat corporate offence causing death or serious injury within two years. Employment standards contraventions draw notices of contravention at $250 per affected employee, rising to $500 and then $5,000 for repeats within three years, with prosecution to $100,000 on a first corporate conviction. Failure to accommodate a diagnosed sleep disorder is decided separately by the Human Rights Tribunal, which can order lost wages and damages for injury to dignity.
Ontario maximums in force in 2026: under the Occupational Health and Safety Act, $2,000,000 for a corporation, $1,500,000 for a director or officer and $500,000 for any other individual, with a $500,000 minimum fine for a repeat corporate offence causing death or serious injury within two years. Employment standards penalties run $250 per affected employee, then $500, then $5,000 for repeats within three years. Ontario's maximums are the highest in Canada.
Antécédents
No Canadian court, coroner, investigator or regulator has published a finding linking fatigue to an incident in insurance. The duty to manage fatigue still sits within the general duty in federal and provincial occupational health and safety law.
Sources: Ontario Occupational Health and Safety Act s.66 and the ministry's guide to the Act; Ontario Employment Standards Act guide (hours of work, enforcement); Government of Canada list of federally regulated industries; OSFI and FSRA mandates.
Postes critiques
Les postes où un travailleur fatigué risque le plus de causer un préjudice grave, les tâches qui portent ce risque, et pourquoi la fatigue s’y accumule.
Les détails réglementaires et les données de recherche de cette page sont présentés en anglais.
| Poste | Risque | Tâches à risque élevé | Pourquoi la fatigue s’accumule |
|---|---|---|---|
Field / catastrophe adjuster (provincially licensed)Règles
| Risque élevé | Driving long distances into disaster zones, roof and structural inspections of damaged buildings, entering flood- and fire-damaged sites; late report writing | Catastrophe deployments of 2-6 weeks, 12-14 h days 7 days a week, long drives, hotel sleep away from home |
Loss prevention / risk engineerRègles
| Risque accru | Site surveys at mines, plants and construction sites (work at height, live process areas), long regional drives and flights between surveys | Multi-site travel weeks, early flights and long drives, irregular hours; day work |
IT operations analyst / production support (on-call)Règles
| Risque accru | Overnight batch, core policy and claims-platform incidents, change windows and cyber alerts where an error causes major outage or data loss | Weekly on-call rotations with night pages, weekend change windows 22:00-04:00, then normal day work |
Medical assistance coordinator / travel assistance case managerRègles
| Risque accru | Overnight coordination of medical evacuations and hospital guarantees for travellers abroad, relaying clinical information and time-critical approvals | 24/7 rotating shifts across time zones, night shifts, high-stress calls |
Comment la suite s’inscrit
Les cotes décrivent dans quelle mesure un produit se rattache à une obligation. Aucun ne vous acquitte d’une obligation, et aucun ne comporte de garantie de conformité.
Les détails réglementaires et les données de recherche de cette page sont présentés en anglais.
No Canadian insurance rule requires a sleep health screen for claims and office staff. Sleepfit supports your general duty to protect worker health under provincial OHS law, such as s 25(2)(h) of Ontario's OHS Act. It screens; diagnosis stays with your clinicians.
À propos de SleepfitYour duty to give claims and office staff the information, instruction and training they need, under provincial OHS law, such as s 25(2)(a) of Ontario's OHS Act, does not name fatigue. Awareness eLearning supplies fatigue and sleep content with a completion record.
À propos de Awareness eLearningYour duty to investigate workplace incidents under provincial OHS law does not name fatigue in insurance work. Was It Fatigue? supports that investigation. A structured judgment aid, not a determination of cause.
À propos de Was It Fatigue?No Canadian insurance rule reaches sleep in new-parent households. SleepWellBaby is offered as a benefit to parents across your workforce; it is not a compliance step and sits outside your health and safety obligations.
À propos de SleepWellBabyFatiguefit4Duty is built for safety-sensitive roles at the point of duty. Insurance and claims roles are generally not safety-sensitive and no Canadian rule requires a fitness-for-duty check, so nothing is engaged.
À propos de Fatiguefit4DutyForfait recommandé
Chaque forfait est tarifé selon la prévalence : toute votre cohorte y a accès, et vous payez pour la proportion qui devrait avoir besoin de chaque produit. Comment fonctionne la tarification.
La santé du sommeil et de l’éducation sur le sommeil et la fatigue pour tout l’effectif.
La santé du sommeil, plus du soutien pour les nouveaux parents.
Pourquoi ce choix (Canada)
Your claims and office staff hold no safety-sensitive roles, so your duty is the general one under your provincial OHS Act. Sleepfit screens; Awareness eLearning supplies content with a completion record; SleepWellBaby is an employee benefit. Family is the lighter option.
Indiquez-nous environ combien de personnes vous employez. Votre portrait estime combien dorment probablement mal et ce que cela coûte, à partir de la recherche publiée pour le secteur assurance et indemnisation des accidents du travail. Choisissez ensuite qui couvrir, et nous vous mènerons à la bonne étape suivante.
