What is WSIB and why does it matter when hiring a contractor?

WSIB (Workplace Safety and Insurance Board) is Ontario's workplace insurance system that protects both workers and homeowners when construction work is performed on your property.

When you hire a contractor in Ottawa, WSIB coverage is crucial because it protects you from liability if a worker gets injured on your property. Without proper WSIB coverage, you could be personally liable for medical costs, lost wages, and other compensation if someone gets hurt during your renovation or construction project.

How WSIB Works for Ottawa Homeowners

In Ontario, contractors with employees are required to carry WSIB coverage. This insurance covers workplace injuries and illnesses, ensuring injured workers receive medical care and wage replacement without the homeowner being held responsible. For independent contractors working alone, WSIB coverage is often optional but highly recommended.

The key protection for you as a homeowner is that WSIB coverage prevents injured workers from suing you directly. Under Ontario's Workplace Safety and Insurance Act, if a contractor has proper WSIB coverage, injured workers must go through WSIB for compensation rather than pursuing legal action against the property owner.

Verifying WSIB Coverage in Ottawa

Before any work begins on your Ottawa property, always verify your contractor's WSIB status. You can request a WSIB Clearance Certificate directly from the contractor, or verify their coverage online at wsib.ca. The clearance certificate shows the contractor is registered with WSIB, has paid their premiums, and is in good standing.

For contractors who claim they don't need WSIB because they work alone, get this in writing. However, be aware that if they bring any helpers or subcontractors to your job site, those workers should be covered under someone's WSIB policy.

What Happens Without WSIB Coverage

If you hire an uninsured contractor in Ottawa and someone gets injured on your property, you could face significant financial exposure. This includes medical expenses, rehabilitation costs, lost wages, and potentially permanent disability payments. Even if you have homeowner's insurance, many policies exclude coverage for injuries to workers performing construction activities.

Red Flags to Watch For

Be suspicious of contractors who can't provide WSIB documentation, offer unusually low quotes (they might be cutting costs by skipping insurance), or pressure you to start work immediately without proper paperwork. Legitimate contractors in Ottawa understand WSIB requirements and will readily provide clearance certificates.

Always verify WSIB coverage before signing any contract and ensure it remains valid throughout your project. This simple step protects you from potentially devastating financial liability while ensuring workers on your Ottawa property have proper protection.

For more information about WSIB requirements, visit wsib.ca or contact them directly at 1-800-387-0750. The City of Ottawa Building Code Services (613-580-2424) can also provide guidance on contractor requirements for permitted work.