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CNESST Premiums · Mutuelle de prévention · Bill 59

Cut your CNESST premiums — Bill 59-ready before the deadline.

Quebec's mutuelle de prévention can cut CNESST premiums 15–50%, and Bill 59 now requires a programme de prévention or action plan from every employer. Both reward the same thing — a living, documented prevention program — which is exactly what SALUS and Rosie build.

In Quebec, a thin prevention program isn't just a Bill 59 gap — it's a higher premium.

Live board

CNESST record · 9 sites · Portfolio

Premium at risk
Programme de préventionCurrent · 12 établissements
Plan d'action (≤20)Required · 2 missing
Comité SSTCadence kept
Open claims3 · 1 no temporary assignment
CCQ competency cards2 to renew
Mutuelle rate−22% held
  1. Prevention program always current

  2. Bill 59-ready before the deadline

  3. The evidence the mutuelle rewards

  4. Claims and temporary assignment documented

  5. CNESST premium down 15–50%

The problem

In Quebec, the prevention program is both a deadline and a discount.

Bill 59 — phasing in through 2026 — now requires a programme de prévention (20+ workers) or a plan d'action (≤20), plus a comité de santé et de sécurité, from employers across all sectors. At the same time, the mutuelle de prévention that cuts CNESST premiums 15–50% only holds if that program is real, maintained, and backed by claims-and-RTW performance. A binder built once and filed satisfies neither — and CNESST inspecteurs can stop work on the spot, with serious breaches reaching $1.5M.

01
Bill 59 deadline
Program not built
Non-compliant
02
Small sites
Action plan missing
Gap
03
Comité SST
Cadence undocumented
No proof
04
A claim
No temporary assignment
Higher cost
05
Mutuelle performance
Slips
Premium ↑
06
Inspecteur arrives
— inspecteur arrives —
The solution

Turn the prevention program into a living system.

Tap a driver — every step leaves CNESST-ready evidence.

The premium isn't set by luck — it's set by what you can prove.

See the levers on your premium
4 waysSALUS + Rosie

Where the premium comes down.

Way 01 · Build itA blank Bill 59 obligationA program in minutes

Rosie writes the prevention program.

The programme de prévention and plan d'action Bill 59 demands, drafted conforming to the LSST from your own standards — you review and adopt.

01

Program · 20+ workers

Rosie drafts the programme de prévention conforming to the LSST from your standards and site conditions.

Rosie drafts the programme de prévention conforming to the LSST from your standards
02

Action plan · ≤20 workers

Smaller sites get the lighter plan d'action Bill 59 requires, generated automatically.

The lighter plan d'action that Bill 59 requires for sites of 20 or fewer, generated automatically
03

In French, per établissement

Each program is produced in French, per établissement, CNESST-ready.

Each prevention program produced in French, per établissement, CNESST-ready
Prevention program · blank page → draft in minutes Bill 59 deadline · scramble → ready
Way 02 · Maintain itA binder filed onceA living program

The program updates itself from the field.

Every AST, inspection, and toolbox talk a crew completes feeds the program's evidence base; Rosie keeps it current for the annual mutuelle update.

01

Field events feed the program

Every AST, inspection, and toolbox talk completed feeds the prevention program's evidence base.

Every AST, inspection, and toolbox talk completed feeds the prevention program
02

Annual update, automatic

Rosie keeps the program current for the annual mutuelle update, with no last-minute scramble.

Rosie keeps the program current for the annual mutuelle update, no last-minute scramble
03

Always inspection-ready

Committee cadence is tracked and the program stays ready for a CNESST visit at any time.

Committee cadence tracked and the program kept ready for a CNESST visit any day
Program currency · yearly panic → continuous "Write once, forget" · eliminated
Way 03 · Prove itA premium you can't defendEvidence on demand

Show the mutuelle exactly why your rate should fall.

Rosie assembles the prevention-program status, claims handling, and corrective-action closure the mutuelle manager rewards — in minutes.

01

Prevention evidence on demand

Rosie assembles the prevention-program status on demand, ready for the mutuelle manager.

Rosie assembles the prevention-program status on demand for the mutuelle
02

Corrective-action closure, proven

Corrective-action closure velocity is shown as a leading indicator.

Corrective-action closure velocity shown as a leading indicator the mutuelle recognizes
03

Shareable French portal

Compliance status is shared live through a French portal — no account required.

Compliance status shared live through a French portal, no account required
Mutuelle evidence · days → minutes CNESST premium · 15–50% lower
Way 04 · Document the performanceClaims that drive the rateA record that earns the discount

The performance that moves the premium, documented.

Claims and temporary assignment (assignation temporaire) are the levers that lower the mutuelle rate; Rosie keeps the record that supports them. (SALUS documents the prevention program and claims record that support RTW; it does not manage the return-to-work case itself.)

01

Claims documented at the scene

Claims are captured at the scene — voice, photo, video — the moment they happen.

Claims captured at the scene — voice, photo, video — the moment they happen, offline
02

Temporary assignment recorded

Return-to-work and temporary assignment are recorded and documented through to closure.

A temporary assignment recorded with defined duties and tracked to closure for the mutuelle
03

Performance visible to the mutuelle

Leading indicators are surfaced and performance is visible to the mutuelle.

Leading indicators surfaced and performance made visible to the mutuelle
Assignation temporaire · a real Quebec premium lever Claims record · reconstructed → captured
Who gets it

A lower premium every team can feel.

01 ·

Safety leaders (responsable SST)

Gets · A program that's always ready

Bill 59 compliance and CNESST inspection-readiness without the binder.

02 ·

Executives

Gets · A lower cost of risk

The mutuelle's 15–50% premium reduction, defended with evidence.

03 ·

Field supervisors (contremaîtres)

Gets · Less paper, in French

Capture once, in the worker's language, no re-entry.

04 ·

Workers (travailleurs)

Gets · Everything in French

Orientation, forms, SDS, and answers in the language of work.

Both outcomes

Lower the premium without thinning the program.

The premium doesn't come down by cutting corners. The same captured activity that lowers your cotisation makes the program underneath it measurably stronger.

Premium & compliance

  • CNESST premium 15–50% lower
  • Bill 59 program / action plan in place
  • Committee cadence documented
  • Mutuelle evidence on demand
  • Inspection-ready

Safety & compliance

  • Conforming programme de prévention
  • SIMDUT 2015 French SDS
  • French records · Charter / Bill 96
  • Bill C-45 due-diligence evidence
  • Corrective actions closed
Proof

Built with contractors who run a Quebec-grade operation.

Broccolini logo
Broccolini
12 sites · bilingual

59 subs · 600+ forms/day

Operational relevance

A Quebec-grade bilingual EN/FR operation — 100% compliance confidence.

Utilities Unlimited logo
Utilities Unlimited
Real-time AI translation

"The office never listens" — eliminated

Operational relevance

The language barrier lifted in the field — every worker understood in their language.

Kayden logo
Kayden
100% adoption · zero training

Adopted without training

Operational relevance

Crews adopt it without training — proof the tool holds up in the field.

Behind the use case

The connected workflows that lower the premium.

Every workflow below turns field activity into the evidence the mutuelle rewards.

Related use cases

Keep exploring the work SALUS gives back.

These pages use the same field-to-proof system from different operating angles.

Reduce CNESST premiums

Lower your CNESST premium — and clear the Bill 59 deadline.

Bring your prevention program — or the blank page where it should be — to a 15-minute demo and we'll show you the mutuelle evidence assemble.

Build it · Maintain it · Prove it · Document the performance