Do subcontractors need their own WSIB coverage in Ontario?

Yes, subcontractors in Ontario are required to have their own WSIB coverage when working on construction projects, and as a homeowner hiring contractors in Ottawa, you need to verify this to protect yourself from liability.

In Ontario, the Construction Regulation under the Workplace Safety and Insurance Act makes WSIB coverage mandatory for most construction work. This means that when your main contractor hires subcontractors (electricians, plumbers, drywallers, etc.), each of those subcontractors must carry their own WSIB coverage.

How This Affects Ottawa Homeowners

When you're hiring contractors in Ottawa, you should request WSIB clearance certificates from both your main contractor AND any subcontractors they plan to use. If a subcontractor gets injured on your property and doesn't have WSIB coverage, you could potentially be held liable for their medical costs and lost wages.

The main contractor is responsible for ensuring all their subcontractors have valid WSIB coverage, but smart homeowners verify this independently. You can request a "Letter of Good Standing" or clearance certificate from each subcontractor before work begins.

Verifying WSIB Coverage in Ottawa

To check if a subcontractor has valid WSIB coverage:

Red Flags to Watch For

Be cautious if a contractor in Ottawa tells you "don't worry about WSIB for subs" or suggests paying subcontractors directly to avoid WSIB requirements. This is often a sign of corner-cutting that could leave you exposed. Legitimate contractors understand WSIB requirements and build these costs into their quotes.

Some subcontractors try to work as "independent operators" to avoid WSIB, but Ontario's construction regulation has strict rules about when someone can be considered truly independent versus an employee requiring coverage.

Ottawa-Specific Considerations

When getting quotes from Ottawa contractors, ask specifically how they handle subcontractor WSIB compliance. Reputable contractors will readily provide documentation and understand why you're asking. The City of Ottawa Building Code Services (613-580-2424) doesn't directly enforce WSIB compliance, but they work with contractors who follow proper safety protocols.

For complex projects in Ottawa neighborhoods like Kanata, Orleans, or Barrhaven where multiple trades are involved, maintaining proper WSIB documentation becomes even more critical. Keep copies of all WSIB clearances in your project file alongside your building permits and contracts.

Remember: WSIB coverage protects everyone involved in your Ottawa renovation project. Don't let cost-cutting on insurance coverage turn into a major financial liability down the road.