WSIB: How I stay exempt… in a legal mannerCanadian Contractor
"Instead of forcing a contractor to pay into WSIB, the government should have developed a law where all contractors are required to have a certain type of insurance plan... "
Here’s a post from a tiling contractor, Ron, re: the Ontario government forcing all contractors into WSIB if they do even ONE commercial job. Not many renovation contractors are able to resist doing at least ONE commercial-side job (even if just painting a doctor’s office) from time to time.
“According to my figures, if I was to get stuck in the WSIB’s system as a contractor I would be paying about $6000 a year for the rest of my career. Currently, I do whatever it takes to stay exempt… in a legal manner. Most of my renovation work is directly for the homeowner, therefore my little one-man company is exempt from paying WSIB premiums or having a registration number. I’ve spoken to their agents a few times about “the rules.” Their program really limits my business but, of course, they do not care about that. Whenever a contractor wants to hire me for a residential job I have to inform them that I can only deal directly with the homeowner financially. Commercial work I have to decline altogether although one company that wanted to use my services put me on their payroll and I would work as an employee for a few months. I suppose this is the only way to stay “exempt.” In order to protect my customers in case of an injury I have a real disability policy that covers me 24 hrs a day whether at work or not and it costs me one quarter of what the WSIB would. Instead of forcing a contractor to pay into WSIB, the government should have developed a law where all contractors are required to have a certain type of insurance plan and listed an assortment of businesses that could provide such a policy. It would be fair and honest in a business sense which is what Canada is all about; not a corrupt and unreasonable “system” as what we are subjected to now.”