Why do I need to verify WSIB coverage before hiring a contractor?

WSIB coverage verification is crucial in Ottawa because if your contractor doesn't have valid coverage and a worker gets injured on your property, you could be held financially responsible for their medical costs, lost wages, and rehabilitation expenses.

In Ontario, the Workplace Safety and Insurance Act makes property owners potentially liable when uninsured contractors work on their premises. This means if a roofer falls, an electrician gets shocked, or any worker suffers an injury during your renovation, you might face thousands or even tens of thousands in costs if the contractor lacks proper WSIB coverage.

How WSIB Protection Works in Ontario

WSIB (Workplace Safety and Insurance Board) coverage protects both workers and property owners. When contractors have valid coverage, WSIB handles all injury-related costs, medical treatment, and wage replacement. Without it, that financial responsibility can shift to you as the property owner, regardless of fault.

This is especially important for Ottawa homeowners hiring contractors for roofing, electrical work, plumbing, or any renovation involving multiple trades. Construction work inherently carries injury risks, and Ottawa's older homes often present additional challenges like steep roofs, tight electrical panels, or structural surprises that increase accident potential.

Verifying WSIB Coverage in Ottawa

Check any contractor's WSIB status at wsib.ca/clearances before signing contracts. You'll need the contractor's business name and registration number. The clearance certificate shows current coverage status and confirms they're meeting their premium obligations.

For Ottawa projects, also verify this information matches what's on their City of Ottawa business license and any trade-specific licensing (ESA for electrical, TSSA for gas work). Legitimate contractors readily provide WSIB clearance certificates - those who hesitate or make excuses often lack proper coverage.

What to Watch For

Red flags include contractors who claim they "don't need WSIB because they work alone" (sole proprietors still need coverage in construction), offer to reduce prices if you "don't worry about insurance," or provide expired clearance certificates. Some unscrupulous contractors show valid certificates from other companies they don't actually work for.

Always verify the WSIB clearance certificate matches the contractor's legal business name and covers the dates of your project. For larger Ottawa renovations, request updated certificates if work extends beyond the original clearance period.

Official Resources

Verify WSIB coverage at wsib.ca/clearances or call WSIB directly at 1-800-387-0750. For questions about contractor licensing requirements in Ottawa, contact the City's Business Licensing office at 613-580-2424. The Ontario Consumer Protection office (ontario.ca/consumer) provides additional guidance on contractor verification requirements.

Remember: legitimate, professional contractors in Ottawa carry proper WSIB coverage as standard business practice. Those without it are cutting corners that could cost you significantly.