Read This Before Choosing a Calgary Maintenance Manager
There are times when you’ll need to outsource a particular property improvement project to a contractor despite how good you are at property DIY projects. And when it comes to hiring the right person for the job, then there are a couple of things that you need to take into consideration. Even though you are going to receive numerous calls from different individuals asking about the project, beware of unqualified contractors and/or uninsured contractors. Pay attention to these important issues if you want to find a contractor that will deliver results and also protect you from being held liable should anything go wrong with your property improvement project.
Workers’ Compensation Insurance (WCB Insurance)
Whenever you hire a property maintenance contractor even for just a day, it pays to plan for unforeseen events. What happens if a hired worker accidentally gets injured on the job? Do you take responsibility as the owner of the property where the accident did occur and provide compensation? Or do you shift the blame onto someone else?
There is something called Workers’ Compensation Insurance. Simply put, it’s a form of insurance providing medical benefits and wage replacement to workers who get injured in the line of duty in exchange for which the victim mandatorily gives up their right to sue their employer alongside the owner of the project for negligence. In Canada, the Workers’ Compensation legislation is created by provincial government and administered by the Workers’ Compensation Board (WCB). Each province and territory has its own exclusive WCB. Each has laws that govern WCB as it relates to hiring contractors. In some jurisdictions, independent contractors are automatically covered under this compensation policy. Other provinces require employees to be covered, but not contractors. It’s imperative that you know the rules in your area before you hire contractors.
Every competent property maintenance contractor in Canada will carry this particular type of liability coverage to ensure they are not held responsible should a worker get injured on the job.
Why is it important to hire a contractor who holds a WCI? Under some jurisdictions, a person who hires a contractor to perform maintenance services on their property may become the “employer” of that contractor if the contractor didn’t have workers’ compensation insurance at the time an injury occurred.
Did you know that you can be held legally responsible if your contractor causes an injury to someone else or destruction to someone else’s property? Also, are you aware that your contractor could potentially damage your property while carrying out maintenance tasks? Should this happen, what do you? Do you force them to pay for the damage, or do you simply accept that it was indeed just an accident and bear the cost?
Contractor liability insurance protects you from being held legally responsible should the person working on your property cause injury to somebody else or damage to another person’s property. It also pays for any damage that the contractor may cause to your property. For this reason and others, it is imperative that you consider liability insurance whenever you are in the process of finding somebody to help you with maintenance and repair of your property.
Valid Business License
Many countries around the world use licensing as a means to regulate an occupation, especially one which calls for a high level of skill and is deemed perilous when performed incorrectly .One such occupation is property improvement. Say no to unqualified contractors as these quack practitioners can cause harm. Before you entrust someone with your home or business premises improvement project; it’s imperative that you verify both their professional licensing and business licensing.
A business license and a professional license should not be interpreted as the same. The former allows a company to engage in business because it meets the regulatory framework for that occupation. The latter, on the other hand, is a document proof that a professional has completed a series of examinations or practices in a certain subject.
Contractor licensing is a great way for homeowners to gauge their contractors’ competence. Check with your provincial licensing board to ensure your contractor has both a valid business license and professional license.
An incorporated contractor is a professional who provides their services as an independent contractor through a corporation, rather than as an employee. It pays to hire such a contractor for the maintenance and repair of your property. Engaging a contractor who has incorporated their business, rather than one who operates as a sole proprietor is an excellent way to protect yourself from any financial liability should the contractor get in trouble with the taxman. Choosing an incorporated contractor is one of the most effective ways to avoid auditing trouble.
Experience matters a lot when it comes to property improvement occupation. There are certain issues that an inexperienced contractor will have a hard time with more than a contractor who has been in the game for many years. Twenty-five years in business is long enough for an individual specializing in property maintenance to know the ins and outs of this business making them better able to find a solution to every problem. So, before you hire a contractor to come and look at and/or repair your house or business premises, it is essential that you ensure they are very experienced in this type of work. Sit down and talk with the professional and ask them how long they have been in the game. Find out about past projects that they’ve completed.
Finding the right contractor for your property maintenance project need not be difficult. When you pay attention to these 5 important considerations, it’s highly likely that you will find the right person that is going to get the job done right. Choose a contractor who holds a WWI, liability insurance, and valid business license. Also, they should have an incorporated business with at least 25 years of service. Don’t compromise on any consideration if you want the best results from your contractor.