How do i verify that a contractor has proper WorkSafeNB coverage before they start work on my Saint John home?

Always verify WorkSafeNB coverage before any contractor starts work — it protects both you and them if someone gets injured on your property. In New Brunswick, WorkSafeNB coverage is mandatory for all employers with 3 or more workers, and you can face serious liability if an unregistered contractor gets hurt on your job.

The easiest verification method is online at worksafenb.ca — look for the "Coverage Verification" tool where you can search by business name or account number. You can also call WorkSafeNB directly at 1-800-999-9775 during business hours (Monday-Friday, 8am-5pm) to confirm a contractor's coverage status and ensure their account is in good standing.

Request a current WorkSafeNB clearance certificate from any contractor before they begin work. This certificate shows their coverage is active and premiums are paid up. Legitimate contractors will provide this without hesitation — it's a standard part of doing business in New Brunswick. Be wary of contractors who can't or won't provide proof of coverage, as this could indicate they're operating without proper registration.

Understanding the coverage rules is crucial for Saint John homeowners. If a contractor has fewer than 3 workers and chooses not to register with WorkSafeNB (which is their right), the liability for workplace injuries may fall on you as the principal employer. This means your homeowner's insurance could be on the hook for medical costs, lost wages, and other compensation if someone gets hurt. Many contractors with 1-2 employees voluntarily register to protect their clients from this risk.

For electrical, plumbing, or gas work in Saint John, you'll also want to verify the contractor holds proper licensing through NB's Technical Inspection Services (TIS) at 1-888-659-3222. Licensed trades contractors typically maintain WorkSafeNB coverage as part of their professional requirements, but always verify both independently.

The small upfront effort to verify coverage can save you from potentially devastating liability down the road. A serious workplace injury without proper coverage could result in claims reaching hundreds of thousands of dollars — far more than most homeowner policies would cover for workplace incidents.