What happens if a contractor gets injured on my property without WSIB?

If a contractor gets injured on your Ottawa property without WSIB coverage, you could be personally liable for their medical costs, lost wages, and other damages - potentially costing tens of thousands of dollars.

This is one of the most serious risks Ottawa homeowners face when hiring contractors, and it's completely avoidable by verifying WSIB coverage before work begins.

Your Legal Exposure in Ontario

Under Ontario's Workplace Safety and Insurance Act, if you hire a contractor who doesn't have WSIB coverage and they get injured, you become their "deemed employer." This means you're responsible for:

• All medical and rehabilitation costs
• Lost wage compensation (typically 85% of their pre-injury earnings)
• Permanent disability benefits if applicable
• Legal fees if they sue for additional damages

Even a seemingly minor injury like a fall from a ladder can result in claims exceeding $50,000-$100,000 if there are ongoing complications or permanent disability.

How to Protect Yourself in Ottawa

Always request a WSIB Clearance Certificate before any contractor starts work on your property. This certificate proves they have active coverage and are in good standing. You can verify this at wsib.ca/clearances or by calling WSIB directly at 1-800-387-0750.

The certificate should show:

• The contractor's business name and registration number


• Coverage period (must include your project dates)


• "Account in Good Standing" status


• No outstanding premiums owed

Don't accept excuses like "I'm getting it renewed" or "I'll email it later." No certificate means no work starts - period. Legitimate contractors understand this requirement and will have their clearance readily available.

What About Sole Proprietors?

Individual contractors and sole proprietors often aren't required to carry WSIB coverage, but this doesn't reduce your risk. If they get injured, you're still potentially liable. In these cases:

• Ask them to obtain voluntary WSIB coverage for your project
• Require proof of comprehensive liability insurance (minimum $2 million)
• Consider requiring them to sign a waiver (though this may not fully protect you)
• Get legal advice for larger projects

Red Flags to Watch For

Be especially cautious if a contractor:

• Claims WSIB "doesn't apply" to their trade


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


• Offers a significantly lower quote (often because they're avoiding WSIB costs)


• Pressures you to start immediately without paperwork


• Brings additional workers who aren't covered

Your Homeowner's Insurance Won't Help

Most homeowner's insurance policies specifically exclude coverage for contractor injuries during construction work. Don't assume you're protected - your insurance company will likely deny any claims related to uninsured contractor injuries.

Getting Help in Ottawa

If you're unsure about a contractor's WSIB status or have questions about coverage requirements, contact:

• WSIB Customer Service: 1-800-387-0750


• City of Ottawa Building Code Services: 613-580-2424 (they can advise on permit requirements that may affect WSIB obligations)

For complex projects or if you're dealing with multiple subcontractors, consider consulting with a construction lawyer before work begins.

The bottom line: Verifying WSIB coverage takes five minutes and could save you from financial disaster. Never let work begin without proper documentation - it's simply not worth the risk to your family's financial security.