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

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Did you know:

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

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• Regardless of the terms of hiring you as the home/business owner are what is known as the PRIME.  The entity that carries the burden of responsibility and liability.

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• Many contractors who cut costs and come in with lower bids can do so due to not haven bared the expense of educating themselves in the area of Safety Regulations or their workers which translates to not meeting the WorkSafeBC, 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 do not relieve the Prime of the burden of liability. 

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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.:

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1. CSA-approved tools and safety are required, taking the time to train workers on regulations or have workers certified is the law [properly instructed with documentation to prove the instruction occurred].  In addition, having valid WCB coverage for all workers.  Do note the Govening entities generally cover immediate medical bills for insured workers.  Ongoing wage loss is determined and provided ONLY when workers were following the regulations, these funds are only paid out for a short period of time.  After this time period injured or not the worker is generally abandoned by the insurer.  Investigations must be performed immediately and reported to W.C.B. / OHSA. Serious injuries the Governing Authority often denies claims after 2 years has expired. Workers have 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

or

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

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THE COST-EFFECTIVE NICE GUY STOPS AT THE TIME OF INJURY

FAMILY MEMBERS WHO HAVE A SPOUSE & or CHILDREN 

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

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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 Safety Liability Agreement. 

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

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

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

• Orientations, Work documents to perform the work, fall protection and much more.

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FOR YOUR PROTECTION THE GOOD DEAL WORKER WHO:

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!

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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?

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Is that nice guy/gal putting you at risk?

YES.  ALL IT TAKES IS 1 INCIDENT !

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