What to Look for in a General Contractor in Ontario (2026 Checklist)

Are They Licensed and Insured in Ontario?

A general contractor should have a minimum of $2 million in liability insurance. In cities like Toronto, they must also have a valid City of Toronto contractor license. Always ask for their license number and verify it on the city’s website.

Do They Pull Permits?

If a contractor tells you that you "don’t need a permit" for structural work or new plumbing, walk away. They are trying to avoid inspections because they might be cutting corners. A reputable Ontario contractor always insists on doing things by the book.

What Does WSIB Mean and Why Does It Matter?

WSIB (Workplace Safety and Insurance Board) protects you from liability if a worker is injured on your property. Without it, you could be held personally responsible for medical costs and lost wages.

Red Flags When Hiring a Contractor

Be wary of: 1) Demands for a large cash deposit (more than 10-15%), 2) No written contract, 3) Availability to start "tomorrow" (good contractors are usually booked several weeks out), and 4) Pricing that is significantly lower than other quotes.

Questions to Ask Before Signing a Contract

Ask: Who will be on-site daily? How do you handle change orders? What is the warranty on workmanship? Can I see a project you currently have in progress?

Why Local Contractors Beat National Chains

Local contractors like Holistic Construction understand the specific building codes and sub-trade networks in Southern Ontario, leading to faster permit approvals and higher quality local craftsmanship.