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Before you hire a general contractor in Ontario
No provincial licence exists for general contracting on existing homes. New home construction is different - those builders must be HCRA licensed.
Written contract with defined scope and payment schedule
The core protection. Should specify the fee structure explicitly - fixed price, cost plus a percentage, or cost plus a fixed fee - and what the fee is calculated on.
General liability insurance, and confirmation it covers your project type
Two million minimum. Ask specifically whether structural work is excluded, because some policies exclude it.
WSIB clearance for the GC and every subcontractor
The GC should be collecting clearance certificates from their subs. Ask whether they do; a good one will say yes without hesitating.
Permits pulled in the contractor's name
If the permit is in your name you become the constructor under Ontario's occupational health and safety framework, with the obligations that carries. Do not agree to this casually.
Verify with: Your municipal building department.
Questions worth asking
- Is this fixed price, cost plus percentage, or cost plus fixed fee - and what is the fee calculated on?
- Will you pull the permits in your company name?
- Which trades are your own crews and which are subcontracted?
- Do you collect WSIB clearance certificates from your subcontractors?
- How many active projects will you be running while mine is open, and who is my day-to-day contact?