How do I check if a contractor has liability insurance?

In Ottawa, you should always verify a contractor has both liability insurance and WSIB coverage before signing any contract - ask for certificates directly from their insurance provider, not just a photocopy.

Getting Proof of Liability Insurance

Contact the contractor's insurance company directly to verify coverage. A legitimate contractor will provide you with their insurance company's name and policy number. Call the insurer and ask to confirm:

• The policy is current and active
• Coverage amounts (minimum $2 million recommended for most home projects)
• What types of work are covered
• If your specific project falls under their coverage

Never accept just a photocopy of an insurance certificate - these can be easily faked. Insist on speaking directly with the insurance provider or getting a fresh certificate of insurance sent directly from the insurer to you.

WSIB Coverage in Ontario

All contractors in Ontario must have WSIB (Workplace Safety and Insurance Board) coverage. You can verify this online at wsib.ca/clearances or by calling WSIB directly at 1-800-387-0750. Enter the contractor's business name or account number to confirm they have:

• Active WSIB coverage
• Good standing (no outstanding premiums)
• Coverage for the type of work they're doing

If a contractor claims they don't need WSIB because they're a sole proprietor, be very cautious. While some sole proprietors can opt out, most construction work requires coverage, and working without it puts you at serious liability risk.

Red Flags to Watch For

Be immediately suspicious if a contractor:

• Refuses to provide insurance information


• Only shows you a photocopy of old certificates


• Claims they're "covered under someone else's policy" without proof


• Offers to "work cheaper without insurance"


• Gets defensive when you ask for verification

What Happens Without Proper Insurance

If an uninsured contractor gets injured on your Ottawa property, you could be liable for medical costs, lost wages, and other damages. If they damage your neighbor's property or cause other accidents, you might be on the hook financially. The City of Ottawa Building Code Services (613-580-2424) requires proof of insurance for most permit applications for exactly this reason.

Getting It in Writing

Once you've verified coverage, ensure your contract specifically states the contractor will maintain insurance throughout the project. Include the policy numbers and require them to notify you immediately if coverage lapses.

For major renovations requiring building permits in Ottawa, the contractor should provide insurance certificates as part of the permit application process. You can verify this through ottawa.ca/building or by calling 613-580-2424.

Remember: legitimate contractors expect these questions and will readily provide verification. Those who won't are telling you everything you need to know about working with them.