What is an independent operator, and do they need WSIB?

In Ontario, an independent operator is someone who works for themselves rather than as an employee, and whether they need WSIB coverage depends on their specific situation and the type of work they're doing.

What is an Independent Operator?

An independent operator in the construction industry is essentially a self-employed contractor who:

• Works under their own business name or as a sole proprietor


• Sets their own hours and work methods


• Uses their own tools and equipment


• Takes on the financial risk of the work


• May work for multiple clients


• Issues invoices rather than receiving paychecks with deductions

This is different from an employee who works under direct supervision, uses company tools, and receives regular wages with deductions.

WSIB Requirements for Independent Operators in Ontario

Mandatory Coverage: Independent operators in construction MUST have WSIB coverage if they work in what WSIB considers "Schedule 1" industries, which includes most construction activities like:

• General contracting and building construction


• Electrical work


• Plumbing and heating


• Roofing


• Concrete work


• Excavation

Optional Coverage: Some independent operators can choose optional WSIB coverage, but in construction, it's typically mandatory.

Why This Matters When Hiring in Ottawa

When you're hiring any contractor in Ottawa - whether they call themselves an independent operator, subcontractor, or general contractor - you need to verify their WSIB status because:

You could be liable if an uninsured worker gets hurt on your property. Ontario law can make property owners responsible for WSIB premiums and benefits if they hire uninsured independent operators.

How to Verify WSIB Coverage:

Ask for their WSIB clearance certificate

Verify online at wsib.ca/clearances using their account number

The certificate should be current (not expired)

Make sure the certificate covers the type of work they're doing

Red Flags to Watch For

Be cautious if a contractor in Ottawa tells you:

• "I don't need WSIB because I'm independent"


• "WSIB is optional for my type of work"


• "I'll get coverage after you hire me"


• "My insurance covers everything" (general liability is different from WSIB)

Getting It Right in Ottawa

Before any work starts on your Ottawa property:

• Verify WSIB clearance at wsib.ca/clearances


• Confirm their business registration


• Check that their insurance covers the work being done


• Get everything in writing

For electrical work, also verify their ESA license at esasafe.com. For gas work, check TSSA certification at tssa.org.

The bottom line: legitimate independent operators in construction should have proper WSIB coverage. If they don't, you're taking on unnecessary risk, and they may not be operating legally in Ontario.