How do I verify my addition contractor is licensed and insured in Ontario?

Checking an addition contractor in Ontario means looking at several separate things, because there's no single contractor licence to look up. In fact, there is no provincial licence for renovation contractors, and drywall, carpentry and general renovation aren't compulsory trades. So checking a contractor really breaks down into a set of specific questions you can ask and verify yourself.

Start with WSIB. Construction businesses, with or without employees, must have WSIB coverage, with some exceptions, so ask whether they have WSIB coverage or are exempt. One exception covers independent operators, sole proprietors and partners doing only exempt home renovation work on an existing home lived in by the person who hires them directly, but any workers they hire still must be covered.

Next, liability insurance. Ask for a certificate of liability insurance, check the policy dates, and call the insurer named on it to confirm it is genuine and current. Ask your own home insurer what limit they suggest for a project of your size.

For the trades inside your addition, the rules are clearer. Electricians and plumbers are compulsory trades in Ontario, and you can check a person's authorization on the Skilled Trades Ontario Public Register. Electrical work needs an ESA notification or permit and is done by an electrical contractor licensed by ESA. Gas work, such as a furnace extension or gas fireplace, is done by a TSSA-certified gas technician.

Confirm the building permit. An addition over 10 square metres needs one, and the City says both the owner and the builder are responsible and equally liable for making sure it is obtained. The 2026 fee for additions is $12.75 per $1,000 of construction value, minimum $117, so a $150,000 valuation is about $1,913. Ask who is applying and get a copy.

Look at HCRA status only for context. Renovators aren't licensed or regulated like new home builders are through the HCRA, and renovating an existing home typically doesn't require the builder to be licensed. Get any warranty terms in writing.

Finally, protect yourself in the contract:

• A contract over $50 negotiated in your home must be in writing, and you can cancel within 10 days of receiving the written copy.
• A supplier can't charge more than 10 per cent over an estimate in the agreement.
• Under the Construction Act, the owner must hold back 10 per cent of the price as work and materials are supplied.

Ask for references from recent additions and, if possible, visit a completed project. You can browse addition contractors in the Ottawa Construction Network directory at justynrookcontracting.com, review profiles, and compare quotes.

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Looking for experienced contractors? The Ottawa Construction Network connects homeowners with qualified professionals:

• 613Bins
• RenoMotion Inc.
• Leeds Property Maintenance
• Jaiko Cleaning Services
• Humble Homes - property maintenance

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