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You The Prime Contractor

11 INCIDENT is all it takes to loose your home/investment

Did you know:

Before you sign on / hire a contractor/worker, a transfer of "Safety Liability Agreementmay save your investment.   

  • Regardless of the terms of hiring you as the homeowner are what is known as the PRIME.  The entity who carries the burden of responsibility and liability.

  • Many contractors who cut costs and come in with lower bids are able to do so due to not having bared the expense of educating themselves or their workers which translates to not meeting the WCB or OHSR requirements to work in the professional field as a contractor.  This generally includes work ethics, equipment and or worker coverage[s], training and documentation required.   This will leave you as the homeowner at risk and liable in most cases.[ Note: Contractors who have the appropriate documentation and insurance does not relieve the Prime of the burden of liabiliaty. 

Quite often when a quote or a bid is higher, it is due to those companies having bared the extra expense to have the appropriate professional protection that is required by the law, in how they operate i.e.:

  1. CSA approved tools and safety are required, taking the time to train workers of regulations or have them certified is the law[properly instructed with documentation to prove the instruction].  In addition, having valid WCB coverage for all workers.  Do note that W.C.B. covers immediate medical bills for covered workers.  Ongoing wage loss is determined and provided ONLY when workers were following the regulations only for a short period of time.  Investigations must be performed immediately and reported to W.C.B. / OHSA. Serious injuries the Governing Authority often denies claims after 2 years. The worker has only one option remaining and that is to sue the Prime within the first 2 years.

  2. Every homeowner or business owner MUST in addition to usual home or business insurance have a construction insurance floater when work is being performed. (contact your insurance provider) 


Do know that a 1-minute job of simply going up a ladder to change a bulb


cut that branch away for you, could become an outrageous liability in the courtroom




in the event of an incident; support is required and often becomes a legal nightmare 


If the nice guy or family member you think won't sue; do know, chances are their family will.  It is only cheaper until an incident occurs, then the real costs become your burden of responsibility for the Prime. 


Acting as the Prime, until you sign off liability you are generally as the homeowner 100% liable when workers are not covered. Ensuring your contractor carries the burden is only accomplished with the Liability Agreement. 

  • Did you obtain additional construction liability insurance for the renovation and workers?

  • Did you pay the premium and have documentation in hand from your broker?

  • You can register with WCB and pay the fee as the Prime, you are still required to complete the onsite paperwork required. 

  1. Ignores the laws
  2. Good at what they do

  3. A good friend or family

  4. It will only take a few minutes

ALL IT TAKES IS 1 INCIDENT and everything you worked for your life long is gone!


For example, is that nice guy the father of 4 children, a wife and a supporter of his in-laws.  Are there additional secondary educational fees for any or all of the children that your nice guy-worker was hoping to pay for by working cash jobs and or investing over the years? Will your investment become theirs?

Is that nice guy/gal putting you at risk?



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1incident offers a variety of packages for both home and business owners. 

The document store in the site is undergoing additions.  Contact us directly with your project, tell us if you are a home owner, business owner and full contact information.  One of our 1incident Consultants will call you to give you a quick overview of the documents you can choose from.  1incident documents for home and business owners are available online in a coded page at this time.  Our consultant will provide you with the access during the call during our site over-haul. 



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