Quick approach: verify the checks that actually apply to the trade and location, compare the written scope, and keep important responsibilities in the contract rather than relying on assumptions.
The general construction rule
WSIB policy says a principal who directly retains a contractor for construction work generally must obtain a clearance and keep it valid while the contractor is performing the work. The clearance confirms the contractor is in good standing for WSIB purposes and can protect the principal from certain payment liability.
The private-residence renovation exception
WSIB specifically states that the construction-clearance policy does not apply to householders who occupy or will occupy a private residence when they or family members directly retain a contractor to perform exempt home renovation work only. WSIB’s clearance FAQ also says a clearance certificate is not required when a contractor is hired by a home’s resident/occupant or family member for home repairs or renovations that fall within the exemption.
Why the exception has boundaries
The exemption is about the circumstances and type of work. It should not be stretched to commercial property, house-flipping/business activity or situations where the homeowner is not the occupying householder described in the policy. When the relationship falls outside ordinary exempt home renovation work, the standard construction rules can apply.
What a homeowner can still verify
Even where a clearance is not legally required for the homeowner’s exempt renovation, you can still ask the contractor about insurance, trade qualifications, permits, written scope and subcontractors. WSIB status is only one piece of contractor due diligence.
When to check WSIB directly
If you are unsure whether the private-residence exception applies, use WSIB’s current clearance guidance rather than assuming. Rules can depend on who hired the contractor, the property and the nature of the work.
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Official sources and further reading
Rules and account status can change. Check the current official source for your province, territory and municipality before relying on a requirement for a live project.