In Canada, summer is synonymous with construction—both in our streets, and in our homes. The nice weather makes summer the opportune time to replace your windows, install a pool, or repair your roof.

A recent study showed that 74% of Canadians don’t bother asking for licenses when hiring a contractor, while 56% are under the wrong impression that their Home & Auto Insurance policy will cover accidents.

Since we’re in high season for renovations, we want to make sure that you’re aware of the potential risks you face when it comes to home improvement projects.

Damage or Injury:

Any potential property damage or bodily injury would normally leave the general contractor liable. But if your general contractor does not have insurance, the onus is on you.

Worker’s Compensation:

Not all contractors are mandated to carry worker’s compensation. In that case, you could be accountable for their medical bills and more.

Home Insurance:

General Home Insurance policies will not cover you for damages caused by unlicensed contractors. You’ll most likely need Builder’s Risk Insurance instead.

Don’t Get Caught Unaware:

At PROLINK, we’ll take the time to review your policy thoroughly, making sure that you are protected from any exposures including common mishaps like theft and more.