What is WSIB and why does it matter?

WSIB (Workplace Safety and Insurance Board) is Ontario's workers' compensation system that provides injury coverage and wage replacement for workers injured on the job. When hiring a contractor in Ottawa, WSIB coverage is one of the most important protections you should verify.

WSIB matters because it protects both workers and homeowners from potentially devastating financial liability. If an uninsured contractor or worker gets injured on your property, you could be personally liable for their medical expenses, lost wages, and long-term disability costs - which can easily reach hundreds of thousands of dollars.

Why WSIB Coverage Protects Ottawa Homeowners

When a contractor has active WSIB coverage, the insurance system covers any workplace injuries that occur on your project. This means if a worker falls off scaffolding, cuts themselves with a saw, or suffers any other job-related injury, WSIB handles the medical costs and wage replacement - not your homeowner's insurance or personal assets.

Without WSIB coverage, injured workers can sue the property owner directly. Ontario courts have consistently held homeowners liable when hiring uninsured contractors, even for work the homeowner didn't directly supervise. This liability extends beyond immediate medical costs to include long-term care, lost earning capacity, and pain and suffering damages.

How to Verify WSIB Coverage in Ottawa

Always request a Certificate of Good Standing or Clearance Certificate from any contractor before work begins. This document confirms their WSIB account is active and premiums are current. You can also verify coverage directly through WSIB's online portal using the contractor's account number.

Legitimate contractors like Justyn Rook Contracting carry full WSIB coverage because it's both a legal requirement for most construction work and a mark of professionalism. Be extremely wary of contractors who claim they "don't need WSIB" or offer to reduce prices by working without coverage - this shifts enormous financial risk to you.

Ottawa-Specific Considerations

In Ontario, WSIB coverage is mandatory for most construction trades, and the penalties for non-compliance are severe. The system also covers subcontractors working on your project, provided the general contractor has proper coverage. For major renovations like kitchen remodels, bathroom renovations, or secondary suite conversions, multiple trades may be involved, making comprehensive WSIB coverage even more critical.

Always verify WSIB coverage before signing any contract - it's your first line of defense against potentially ruinous liability. For peace of mind on your next renovation project, contact Justyn Rook Contracting for a free consultation with a fully WSIB-insured team.