Do all contractors in Ontario need WSIB coverage?

Not all contractors in Ontario are required to have WSIB coverage, but the rules depend on their business structure and the type of work they're doing.

In Ontario, WSIB coverage requirements vary based on whether the contractor is a sole proprietor, partnership, or incorporated business. Sole proprietors and partners in a partnership are generally not required to register for WSIB coverage unless they have employees. However, incorporated businesses (corporations) must register for WSIB coverage regardless of whether they have employees.

Here's how it breaks down for Ottawa contractors:

Sole Proprietors and Partnerships: These contractors are not mandated to carry WSIB coverage unless they hire employees. However, many choose to register voluntarily for personal protection. If they hire even one employee (including family members in some cases), WSIB registration becomes mandatory.

Incorporated Contractors: All incorporated contractors must register with WSIB, even if they're the only worker in the business. This is because corporate officers are considered "workers" under WSIB regulations.

Subcontractors and Independent Operators: The rules get more complex here. If you're hiring a contractor who uses subcontractors, those subs may need their own WSIB coverage or could be covered under the main contractor's policy.

Why This Matters for Ottawa Homeowners

When hiring contractors in Ottawa, always ask for a WSIB Clearance Certificate. You can verify this at wsib.ca/clearances using the contractor's business number. This certificate proves they're in good standing with WSIB and protects you from liability if someone gets injured on your property.

Without proper WSIB coverage, you as the homeowner could be held liable for workplace injuries that occur during your project. This is especially important for larger renovation projects in Ottawa where multiple trades might be involved.

What to Watch For

Red flags include contractors who can't provide a WSIB clearance certificate, seem unclear about their coverage status, or pressure you to start work immediately without showing proper documentation. Legitimate contractors understand these requirements and will readily provide their WSIB information.

For verification and more information about WSIB requirements, visit wsib.ca or call their customer service line. The City of Ottawa Building Code Services (613-580-2424) can also provide guidance on what documentation contractors should have for permitted work.

Always verify WSIB status before signing any contract or allowing work to begin on your Ottawa property.