Should I ask my contractor for proof of insurance before hiring?

Absolutely yes - you should always ask for proof of insurance before hiring any contractor in Ottawa, and it's one of the most important steps in protecting yourself.

In Ontario, contractors should carry both general liability insurance (minimum $2 million is standard) and WSIB coverage. Don't just take their word for it - ask to see current certificates of insurance directly from their insurance company, not photocopies that could be outdated or altered.

What Insurance Documents to Request

Ask your Ottawa contractor for a current Certificate of Insurance showing general liability coverage of at least $2 million. This protects you if they damage your property or if someone gets injured on your job site. The certificate should be dated within the last 30 days and list your specific project address if possible.

For WSIB coverage, request a current Clearance Certificate from wsib.ca/clearances. You can also verify this online using the contractor's business name or account number. WSIB protects you from being liable if a worker gets injured on your property - without it, you could be personally responsible for medical costs and lost wages.

Red Flags to Watch For

Be very cautious if a contractor says they don't need insurance because they're "careful" or "experienced." This is a major red flag. Similarly, avoid contractors who claim they're covered under someone else's policy unless they can prove it with documentation. Some contractors will show you expired certificates hoping you won't check the dates.

If a contractor can't provide current insurance proof, walk away immediately. Legitimate contractors in Ottawa understand this is a standard requirement and will have their documents ready.

Why This Matters in Ottawa

The City of Ottawa requires proof of insurance for many permit applications, and your homeowner's insurance may not cover damages caused by uninsured contractors. If an uninsured worker gets hurt on your property, you could face significant financial liability under Ontario's workplace safety laws.

Contact the insurance companies directly to verify coverage if you have any doubts. Most insurers have verification hotlines where you can confirm a policy is active and covers the work being performed at your address.

Key Resources:

• WSIB Clearance Verification: wsib.ca/clearances


• City of Ottawa Building Permits: 613-580-2424


• Ontario Consumer Protection: ontario.ca/consumer

Never start work without confirmed insurance coverage - it's simply not worth the risk to your property and financial security.