Working for a landlord or contractor in construction
The WSIB will give an exemption to people who own or run businesses that exclusively do home renovation work 100% of the time.
However, You will Not Qualify for the Exemption if:
- You are hired by a landlord or the owner of a property that is being rented.
- This includes anyone who is not the occupant, or a member of their family.
- You are working as a subcontractor to a contractor who is hired by the occupant or a member of their family.
- Doing Class G construction work on a new home build, even if you’re hired and paid by the person who plans to live in the home.
- Doing Class G construction work on a part of the occupant’s home that’s used for business purposes. (e.g.: a home hair salon, doctor’s office, etc.)
If the home renovation work you do is not exempt, you need to register, report your earnings, and pay premiums for coverage on both the home renovation and non-home renovation earnings for a minimum period of three months.
You may contact the WSIB to cancel coverage after the three month minimum period only if you stop doing any construction work other than exempt home renovation work.
If you’re not sure how you’re defined under Mandatory Coverage, use the coverage tool on the home page to find out.
Now that You Know You need WSIB Coverage, What do You need to Do?
You Need to Register:
You can register online or over the phone. You’ll just need to have the following information ready:
- The legal name of your business
- The trade name of your business
- The business’ Canada Revenue Agency Business Number (if available)
- Your name and address details
- An estimate of your gross insurable earnings for a full calendar year. Get more information, and help calculating your insurable earnings
- Your email address.
If your business isn’t registered with WSIB, but has already started work, your business will be required to pay any unpaid premiums on your earnings when you register. If your business has not yet registered for any workers you have, your business will also be required to pay any unpaid premiums on their earnings.
What Happens if you Don’t Register
It is an offence under the WSIA for an unregistered business/individual to do construction work if coverage is required. This means that:
- You/the business are committing an offence and will be prosecuted as of January 1, 2014.
- You/the business will be required to pay not only for any unpaid premiums, but will also face additional penalties and fines.
- You/the business will not be able to provide a clearance number, to prove that you have WSIB coverage and are clear to work.
- The company that hired you can refuse you access to the job site until you have registered and can provide a clearance number.
- The company that hires you can withhold payment.
- If construction work goes ahead without you registering and providing a clearance number, then both you, and the company that hired you, will be committing an offence under the WSIA and will be fined. The fine for a conviction of an offence under the WSIA is up to a maximum of $100,000.
You Need to get a Clearance Number Before you Start a Job
A clearance number confirms that you are registered with the WSIB and that your account is in good standing. We will provide you with a clearance number that you will need to give to the person/company that has hired you before you start work.
You can request a clearance number online, and we will send you a clearance number immediately, as long as your account is in good standing.
For your account to be in good standing, you:
- Have registered with the WSIB and have provided all the required information.
- Are classified in the right rate group for your business activity(ies).
- Have filed all required premium remittance and reconciliation forms.
- Have paid all premiums and any other amounts owing (like late fees, etc.).
For more information on how to report and pay your premiums, please see How to Calculate Insurable Earnings.
What ‘Coverage’ Means for You
As a ‘deemed worker’ if you have a work-related injury or develop a work-related illness, you can depend on the WSIB to support you throughout your recovery, and help you get safely back to work.
Depending on your situation, we may provide:
- Replacement of up to 85% of your net earnings starting the day after the injury.
- Loss of retirement income benefit.
- Coverage for health care costs.
- Help getting you back to work safely, and retraining if necessary.
You can find more information on the Benefits of Coverage page.
What to do if you have a work-related injury or develop a work-related illness
If you have a work-related injury or develop a work-related illness, the accident or illness must be reported to the WSIB within 3 days if you:
- Require health care, or
- Need to take some time off to recover, or
- Can only work partial hours, or
- Do modified work for less than regular pay, or
- Do modified work for more than 7 days.
You can report your injury or illness online or over the phone by calling us Monday to Friday from 7:30 a.m. to 5:00 p.m. at 416-344-1000 or 1-800-387-0750 (TTY 1-800-387-0050).