WSIB & Liability: What Protects You During a Move
Introduction
When you hire movers, you aren't just hiring a truck; you are hiring people to perform heavy, dangerous physical labor on your property. If a mover slips on your icy driveway or hurts their back lifting your piano, who pays? In Ontario, the answer depends entirely on WSIB compliance. Understanding the Workplace Safety and Insurance Board (WSIB) coverage and liability is critical to protecting yourself from potential lawsuits that could cost thousands of dollars.
Main Sections
What is WSIB Coverage?
WSIB is Ontario's mandatory workplace insurance system. It provides "no-fault" insurance to workers who are injured on the job. In exchange for employers paying premiums, workers give up the right to sue for injuries. If your moving company is registered and in good standing with WSIB, an injured worker (e.g., one who twists an ankle on your stairs) makes a claim to the board, not against you.
The Risk of Uninsured Movers
If you hire "two guys and a truck" off a classified ad who are *not* WSIB registered, they are considered "independent contractors" or even your "employees" in the eyes of the law. If they get hurt on your property, they can sue you directly for lost wages, medical costs, and pain and suffering. Your homeowner's insurance policy *might* cover this, but a claim will spike your premiums, and specialized commercial activity often falls into exclusion clauses.
How to Check for a Clearance Certificate
Don't just take their word for it. You can verify a company's status publicly on the WSIB Ontario website. Professional movers will happily provide a "Clearance Certificate" upon request. This document proves they are currently registered and their premium payments are up to date. If they refuse to provide this, or make excuses ("Oh, we're self-insured"), hang up immediately.
Liability for Property Damage
WSIB covers *people*. Liability insurance covers *things*. You need both. If a mover scratches your hardwood floor or puts a hole in the drywall, this falls under their Commercial General Liability (CGL) insurance. WSIB does not pay for your broken vase. Ensure the company carries at least $1 million (preferably $2 million) in liability coverage to handle any major accidents on your premises.
Homeowner Responsibilities
Even with WSIB, you have a duty of care. You must provide a "reasonably safe" environment. This means salting icy walkways (a huge issue in Ottawa), keeping pets contained so they don't trip movers, and warning them about known hazards like a loose railing. If you are negligent (e.g., your porch steps are rotten and collapse), you could still be found partially liable even if they have WSIB.
Local Expertise Section
Why This Matters for Ottawa and Gatineau Residents
The border complicates things again. In Quebec, the equivalent system is CNESST. If you hire Gatineau movers for an Ottawa job, they must be registered with WSIB for the work performed in Ontario (or have a reciprocal agreement). Many small operators skip this step. If moving across the river, verify that the company is compliant in *both* jurisdictions. This is especially vital given the likelihood of winter slips in the National Capital Region.
This legal protection goes hand-in-hand with understanding generally Ontario moving laws. Proper insurance for your goods is a separate issue from injury liability—learn the difference in why insurance matters. Finally, ensure you are hiring a transparent company by checking our pricing guide, where safety costs should be built into the rate, not hidden.
FAQ
Q: Does WSIB cover me if I help and get hurt?
A: No. WSIB covers the workers. If you try to help lift the fridge and drop it on your foot, you are on your own. Standard advice: let the pros do the lifting.
Q: Are cash-only movers covered by WSIB?
A: Almost never. "Cash jobs" usually exist to avoid taxes and premiums. Hiring them is a massive liability roll of the dice.
Q: cost of WSIB make movers more expensive?
A: Slightly, yes. Legitimate businesses pay premiums. This is why professional quotes are higher than random Kijiji ads. You are paying for the safety net.
Q: What if a friend helps me move?
A: Friends are not employees, so WSIB doesn't apply. However, if they get hurt, they could legally sue you under your home insurance policy liability.
Q: Can I request the clearance certificate on moving day?
A: Yes, but ask for it beforehand (at booking) so you have time to find another mover if they can't produce it.
WSIB coverage is the invisible shield that protects your financial future during a move. It distinguishes professional businesses from risky amateurs. By insisting on WSIB and liability proof, you ensure that an accident on moving day remains an unfortunate medical event, not a personal financial catastrophe. UpMove's verified network prioritizes safety and compliance so you can move with peace of mind.
