Reduce costs and improve safety with a Prevention Mutual
What if your company could both optimize its financial performance and strengthen its occupational health and safety culture? That’s exactly what Demers Beaulne’s Prevention Mutual makes possible: a strategic solution that combines rigor, expertise and caring.
Because good OHS management means above all promoting prevention… and thus avoiding unnecessary expenditure.
A proactive approach that goes beyond compliance
At Demers Beaulne, we believe that effective health and safety management goes beyond simply meeting legal obligations. Our mutual approach is based on a broader vision: prevention rather than reaction, structure rather than improvisation.
This means offering employers:
-
- comprehensive handling of claims and assessments,
- tailor-made support in managing return to work,
- a strategic watch on the evolution of OHS best practices.
Thanks to this proactive approach, our members can intervene quickly when an incident occurs and, above all, take concrete action to prevent the situation from recurring. This structured prevention approach not only reduces risk, but also builds a healthier, more motivating organizational culture.
Substantial savings
The financial results are significant: by joining our Prevention Mutual, employers can save up to 50% on their CNESST contribution rate, on average more than 45%. These savings are made possible by our rigorous management and our ability to effectively target levers for improvement.
But that’s not all: Demers Beaulne’s fees are among the most competitive on the market (8% of the annual CNESST contribution), with no compromise on service quality. Membership thus becomes a strategic investment, particularly profitable over the first five years.
Rigorous, human support
Demers Beaulne Mutual rhymes with team of qualified OHS experts, all members of the Ordre des CRHA/CRIA, who work with companies with empathy and efficiency. For us, the quality of our support comes first. All our managers work with a deliberately limited number of files, to guarantee a truly personalized service.
In concrete terms, each manager handles fewer than 100 cases per year, half the Quebec average of between 175 and 200. This strategic choice enables us to remain close to our customers, attentive to their needs, and offer them support tailored to their operational reality. A human and rigorous approach… that makes all the difference.
We understand your challenges in the field, your operational constraints and your HR realities. That’s why we’ re here to support you every step of the way:
-
- initial analysis,
- implementation of corrective measures,
- team training,
- performance monitoring,
- accountability…
Nothing is left to chance!
We also offer a full annual audit, workplace compliance studies, and a detailed report with clear recommendations based on your level of risk.
In other words, you get a clear picture of your OHS situation and concrete solutions for improving it.
A flexible formula with no long-term commitment
Our Mutual also stands out for its flexibility. No long-term contract is required. You remain free at all times, with the certainty of quality support.
What’s more, we offer you a free analysis of your savings potential, even before you sign up. It’s the perfect opportunity to make a risk-free diagnosis and assess whether our formula is right for you.
A performance recognized in Quebec
Our mutual enjoys one of the highest performance rates in Quebec. This success is based on rigorous management, tried-and-tested tools and, above all, a partnership of trust with our customers.
Our mission:
-
- simplify your day-to-day administration,
- reduce your long-term costs,
- create a safer, more engaging workplace.
Ready for action?
The next membership period begins on January 1. To be eligible, you must submit your application before September 30. And don’t forget to cancel your old mutual before the deadline on your contract.
Contact our team today to reserve your place and find out what Demers Beaulne’s Mutual can do for you. Don’t wait to benefit from support that really makes a difference.
More questions? We have the answer.
How to calculate the amount of my cnesst contribution (rate calculation)
The calculation of your CNESST contribution is based on three fundamental elements: your insurable wages, your periodic payment rate and your classification unit.
To determine the amount, multiply the total insurable wages paid to your workers by your periodic payment rate, then divide the result by 100. Insurable wages are capped at $98,000 per worker for 2025.
The nature of your company’s activities determines your classification unit, which directly influences your rate. Your annual salary declaration serves as the basis for the final calculation of your contribution, taking into account the pricing methods specific to your sector of activity.
What is the cnesst rate for employers?
The Commission des normes, de l’équité, de la santé et de la sécurité du travail maintains a historically low average contribution rate for 2025, set at $1.48 per $100 of payroll.
This stability reflects the financial strength of the plan, with a funded ratio of 120%. Investment income of nearly $1.6 billion helps maintain this advantageous level for Quebec employers.
Companies benefit from a personalized rate based on their sector of activity and experience in occupational health and safety. CNESST estimates the plan’s financial requirements at $3.39 billion for 2025, on insurable wages estimated at $228.8 billion.
Who pays the cnesst contribution?
In Quebec, employers fully fund the occupational health and safety plan through their contributions. This responsibility applies from the moment the first worker is hired, with terms and conditions varying according to the company’s size and sector of activity.
Periodic payments are made directly to Revenu Québec, at the same time as other source deductions. For companies with fewer than 10 employees, a basic rate applies according to their classification unit, while medium-sized and large companies benefit from a personalized rate that takes into account their prevention performance.
Special programs enable high-performing employers to reduce their premium rates by demonstrating the effectiveness of their preventive measures and their commitment to the health and safety of their workers.
