Individual Employer
A natural person who employs one or more workers for business or personal purposes. You are responsible for complying with all of an employer's legal obligations, including insuring your employees through a current policy. You have the option to self-insure if you work your own business.
Legal Employer
Legally constituted entity, such as a corporation or corporation, that hires employees to carry out its operations. You must meet all the responsibilities established by the Workers' Compensation Act.
Government Employer
An agency, public corporation, or government entity that employs personnel and is subject to the provisions of the CFSE, as required by law.
Permanent Employer
Natural or legal person that employs workers on a continuous basis. He is obliged to formalize a permanent policy for the duration of the employer-worker relationship.
Eventual Employer
A natural or legal person who employs workers on a temporary basis or for specific tasks of limited duration. It is also obliged to formalize an optional policy for the duration of the employer-worker relationship.
Why is it important for employers to meet their responsibilities?
Timely compliance with employers' responsibilities with the CFSE is not only a legal requirement, but also an essential measure to protect the financial and operational stability of the business. Maintaining an active policy ensures employee coverage, avoids fines and penalties, and demonstrates the employer's commitment to well-being and safety in the workplace.
Legal Obligations of the Employer
- Formalize and keep a policy in force
Every employer must manage and maintain an active insurance policy with the CFSE to cover their employees in case of accidents at work.
- Declare payroll correctly
It is essential to accurately and truthfully report employee payroll, as this determines the cost of the policy and the coverage available.
- Make payments on time
Payments for the policy must be made on or before the deadline to avoid loss of protection.
- Report work accidents
Any work-related accident or illness must be reported to the CFSE within the established legal deadline to activate coverage.
- Allow inspections or audits
The employer must provide access to their facilities and records when the CFSE requires it, as part of their oversight functions.
Rights of the insured employer
- Employer immunity
As long as they keep their policy in place, the employer is protected against civil lawsuits by employees injured on the job.
- Access to digital services
Insured employers can carry out multiple online transactions, including payments, renewals, payroll statements and more.
- Technical Guidance
The CFSE provides advice on issues of worker's insurance coverage and legal compliance. To ask your question, you can contact the Insurance Area through the employer service lines 1-844-Policies (1-844-765-4927) and 1-844-Patron (1-844-728-7666).
The CFSE provides advice on issues of occupational safety, risk prevention and legal compliance. For your enquiry, you can contact the Negotiate at (787) 781-8577. - Medical Expense and Workers' Compensation Coverage
In the event of an accident or occupational illness, the CFSE covers the worker's medical expenses and provides financial compensation as appropriate.
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