Do all contractors in Ontario need WSIB coverage?

Not all contractors in Ontario need WSIB coverage, but most do - and as an Ottawa homeowner, you should always verify coverage before hiring any contractor.

Here's how WSIB requirements work in Ontario:

Who Needs WSIB Coverage

Most contractors operating in Ontario are required to have WSIB coverage, including:

• General contractors and subcontractors


• Electrical contractors (in addition to ESA licensing)


• Plumbing and HVAC contractors


• Roofing, siding, and exterior contractors


• Any contractor with employees

The main exceptions are sole proprietors with no employees working in certain low-risk classifications, but this is rare in construction trades.

Why This Matters for Ottawa Homeowners

When you hire a contractor without WSIB coverage, YOU become liable if they or their workers get injured on your property. This could mean thousands in medical costs, lost wages, and legal fees - even if the injury wasn't your fault.

How to Verify WSIB Coverage in Ottawa

Always request a WSIB Clearance Certificate before work begins. This proves:

• The contractor is registered with WSIB


• Their premiums are paid up


• They're in good standing

You can verify this at wsib.ca/clearances or call WSIB directly at 1-800-387-0750. Don't accept excuses like "I'm getting it tomorrow" or "it's in the mail."

Red Flags to Watch For

Be extremely cautious if a contractor:

• Claims they don't need WSIB because they work alone


• Offers a lower price "because we don't pay WSIB"


• Can't produce a current clearance certificate


• Suggests you can save money by not requiring coverage

Ottawa-Specific Considerations

Many Ottawa homeowners hiring contractors for deck builds, bathroom renovations, or basement finishing don't realize they need to verify WSIB coverage. The City of Ottawa building permit process doesn't automatically verify WSIB status - that's your responsibility as the homeowner.

For electrical work, your ESA-licensed contractor should have both ESA licensing AND WSIB coverage. For gas work, your TSSA-certified technician should also carry WSIB.

Getting Protected

Before any contractor starts work on your Ottawa property, get copies of:

• Current WSIB Clearance Certificate


• Liability insurance (minimum $2 million recommended)


• ESA license (for electrical work)


• TSSA certification (for gas/HVAC work)

Don't let work begin without these documents. A legitimate contractor will provide them without hesitation - it's standard practice for protecting both parties.

If you're unsure about a contractor's WSIB status or need help verifying coverage, contact WSIB's customer service at 1-800-387-0750. They can confirm registration and coverage status for any Ontario contractor.