WSIB Compliance for Construction Companies in Ontario
Mandatory WSIB coverage, premium reporting, clearance certificates, classification, reconciliation and audit support built specifically for Ontario construction companies, contractors and subcontractors. From $125/month.
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In Construction, WSIB Is Not Optional
Construction is one of the few industries in Ontario where WSIB coverage is mandatory, even for independent operators and many sole proprietors. The rules are stricter than almost any other sector. Coverage is compulsory, clearance certificates are required before you get paid on most jobs, and the WSIB actively audits construction payroll. Get the classification wrong, miss a premium remittance, or hire a subcontractor without a valid clearance, and you can be assessed for their unpaid premiums on top of your own. For a contractor running on tight margins and multiple job sites, a WSIB problem is not just a fine. It can stop you from getting paid and pull you into an audit.
We provide WSIB compliance for construction companies across Ontario. Mandatory coverage setup, premium calculation and reporting, clearance certificate management, correct classification, reconciliation and full audit support. From $125/month. AFFORDABLE flat fees.
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WSIB Compliance Services for Construction
Mandatory Coverage Setup
Register your construction business for compulsory WSIB coverage correctly from the start.
Premium Reporting
Insurable earnings calculated and premiums reported on your assigned schedule, on time.
Clearance Certificates
Valid clearances maintained so you get paid and your subcontractors are covered.
Correct Classification
Right rate group and classification unit so you are not over or under-charged.
Reconciliation
Year-end reconciliation of insurable earnings against actual payroll, errors corrected.
Audit Support
Full representation if the WSIB audits your construction payroll and records.
How We Keep Construction Companies WSIB-Compliant
A complete 6-step compliance process so coverage, premiums and clearances are never a problem. AFFORDABLE flat fees.
Mandatory Coverage Registration
In construction, coverage is compulsory. Getting registered correctly is step one.
- Registration for compulsory WSIB coverage in the construction sector.
- Independent operators and sole proprietors assessed, since many require mandatory coverage too.
- Business activity reviewed to confirm which work is covered construction activity.
- Optional coverage evaluated for owners and executives where it makes sense.
- Account set up under your business number alongside payroll and HST.
Insurable Earnings and Premium Reporting
Premiums are based on insurable earnings, and the calculation has construction-specific rules.
- Insurable earnings calculated per worker up to the annual maximum.
- Premiums computed using your assigned rate and reported on schedule.
- Reporting frequency (monthly, quarterly or annual) confirmed and managed.
- Remittances made on time to avoid penalties and interest.
- Owner and family-member earnings treated correctly for coverage purposes.
Clearance Certificate Management
No valid clearance, no payment. This is where most construction disputes start.
- Your own clearance certificates kept valid so principals release payment.
- Subcontractor clearances verified before you pay them, so you are not assessed their premiums.
- Expired or invalid clearances flagged before they hold up a payment.
- Records kept to prove you verified clearances, which protects you in an audit.
- Clearance requests handled for you so you are never chasing paperwork on a deadline.
Correct Classification and Rate Group
The wrong classification means you overpay every premium, or face a reassessment.
- Your business activity matched to the correct classification and rate.
- Multiple activities split correctly where you do more than one type of work.
- Misclassification corrected, which can lower your premiums going forward.
- Rate changes reviewed each year so you are not paying an outdated rate.
- Experience-rating impact reviewed where claims affect your premium.
Year-End Reconciliation
Reported earnings must match actual payroll. Mismatches trigger assessments.
- Insurable earnings reported during the year reconciled to actual payroll.
- Under-reported earnings corrected before the WSIB finds them.
- Over-reported earnings recovered so you are not leaving money behind.
- Reconciliation coordinated with your T4 and payroll filings for consistency.
- Documentation prepared and retained to support the reconciliation.
WSIB Audit Support and Representation
The WSIB audits construction payroll often. We handle it for you.
- Full representation if the WSIB selects your business for audit.
- Records organized and presented: payroll, clearances, subcontractor agreements.
- Subcontractor versus employee positions defended with proper documentation.
- Assessments reviewed and disputed where the WSIB has it wrong.
- Process fixed afterward so the same issue does not recur.
Free Construction WSIB Compliance Consultation
Free Construction WSIB Compliance Consultation
Case Studies: Construction WSIB Compliance
General Contractor, Brampton (12 Workers)
A general contractor was assessed for a subcontractor's unpaid WSIB premiums because no valid clearance was on file when payment was released. We put a clearance-verification process in place, corrected the reporting, disputed part of the assessment, and the contractor has had clean clearances on every job since. Get Started →
Framing Subcontractor, Vaughan
A framing subcontractor was classified in too high a rate group and overpaying premiums for years. We reviewed the classification, had it corrected to the proper rate, and the premium cost dropped meaningfully going forward, improving margin on every job.
Renovation Company, Mississauga (WSIB Audit)
A renovation company was selected for a WSIB audit with disorganized payroll and subcontractor records. We assembled the documentation, defended the subcontractor positions, and reconciled the insurable earnings. The audit closed with a far smaller adjustment than first proposed. Audit Support →
Electrical Contractor, Toronto (New Setup)
A newly incorporated electrical contractor needed coverage, payroll and WSIB set up correctly from day one. We registered the WSIB account, set up automated payroll and premium reporting, and built clearance tracking so the business started fully compliant and stayed that way.
Who Needs WSIB Coverage in Construction?
| Who | Coverage in Construction |
|---|---|
| Construction companies with workers | Mandatory |
| Independent operators (no workers) | Mandatory in most cases |
| Sole proprietors in construction | Mandatory in most cases |
| Partners in a construction partnership | Mandatory in most cases |
| Executive officers of a corporation | One may be exempt; others covered |
| Home renovation work for a private homeowner | Specific exemption rules may apply |
Construction Is Different: In most other industries an independent operator with no employees does not need WSIB coverage. In construction, mandatory coverage extends to most independent operators, sole proprietors and partners. This catches many small contractors who assume they are exempt.
What Non-Compliance Costs a Construction Company
| Problem | Consequence |
|---|---|
| No valid clearance certificate | Principal can withhold your payment until you provide one |
| Paying a sub without a valid clearance | You can be assessed for the sub's unpaid premiums |
| Late or missed premium reporting | Penalties and interest on the overdue amount |
| Under-reported insurable earnings | Reassessment plus penalties when found on audit |
| Wrong classification | Overpaid premiums, or reassessment if under-rated |
| No coverage where required | Retroactive premiums, penalties and potential prosecution |
What Our Construction WSIB Service Includes
| Service | What We Do |
|---|---|
| Coverage registration | Register your construction business for mandatory WSIB coverage. |
| Premium reporting | Insurable earnings calculated and premiums reported on schedule. |
| Clearance certificates | Your clearances kept valid; subcontractor clearances verified. |
| Classification review | Correct rate group confirmed; misclassification corrected. |
| Year-end reconciliation | Reported earnings reconciled to actual payroll; errors fixed. |
| Payroll integration | WSIB run alongside payroll, T4s and remittances. |
| Audit support | Full representation and documentation if the WSIB audits you. |
| Ongoing monitoring | Deadlines, rate changes and clearance expiries tracked for you. |
Is Your Construction Company WSIB-Compliant?
- You are registered for WSIB coverage and your account is active
- You know whether you, as an owner or independent operator, need coverage
- Your insurable earnings are calculated correctly up to the annual maximum
- Your premiums are reported and remitted on time every period
- You hold valid clearance certificates for every active job
- You verify a subcontractor's clearance before you pay them
- You keep records proving you verified those clearances
- You are in the correct classification and rate group
- Your reported earnings reconcile to your actual payroll at year-end
- Your WSIB is coordinated with your payroll and T4 filings
- You have someone who would represent you in a WSIB audit
- You want WSIB handled for you, not another deadline to chase
Construction WSIB Compliance from $125/month. Fixed Fee.
Coverage, premiums, clearances, reconciliation, audit support. 30-Day Money-Back.
Why Construction Companies Choose Gondaliya CPA
Construction WSIB Specialists
Clearances, classification, subcontractor rules, reconciliation, audits.
Everything Coordinated
WSIB, payroll, T4s, HST and T2 handled together, not in silos.
Fixed-Fee Pricing
No hourly. 30-Day Money-Back. 60-Day Fees-Matching.
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Canada's most AFFORDABLE CPA. Flat fees for every service.
Construction WSIB & Payroll Pricing
| Service | Fee | Includes |
|---|---|---|
| Payroll with WSIB (first employee) | From $125/month | Payroll, source deductions, WSIB premium reporting |
| WSIB registration setup | From $250 | Account registration, classification, clearance setup |
| WSIB year-end reconciliation | From $250 | Insurable earnings reconciled to payroll, corrections filed |
| Monthly bookkeeping | From $150/month | Full books. HST filing and T2 FREE. |
| WSIB audit representation | Custom quote | Documentation, defence and representation through the audit |
| Construction T2 corporate tax | From $400 | Year-end corporate tax return for your construction company |
Know Your Exact Fee Before We Start
AFFORDABLE flat fee. 30-Day Money-Back. 60-Day Fees-Matching.
Frequently Asked Questions: Construction WSIB Compliance
Meet Your Construction Compliance Specialists
Sharad Gondaliya, CPA
Founder & Managing Director
Gondaliya CPA Professional Corporation
Sharad leads construction compliance engagements, WSIB classification and audits, subcontractor structuring and corporate tax for contractors across Ontario.
Vandana Goel, CPA
Senior Accountant
Gondaliya CPA Professional Corporation
Vandana handles construction payroll, WSIB premium reporting and reconciliation, clearance tracking and insurable earnings for contractor clients.
What Our Clients Say
1300+ five-star reviews from business owners across Ontario and Canada.
10 Ways to Stay WSIB-Compliant in Construction
| # | Practice | Why It Protects You |
|---|---|---|
| 1 | Register for mandatory coverage from day one | Avoids retroactive premiums and penalties. |
| 2 | Confirm if you, as an owner, need coverage | Construction rules cover many sole proprietors and partners. |
| 3 | Keep your own clearance certificates valid | No valid clearance can mean no payment on the job. |
| 4 | Verify every subcontractor's clearance before paying | Avoids being assessed for their unpaid premiums. |
| 5 | Keep records proving you verified clearances | Protects you in a WSIB audit. |
| 6 | Report insurable earnings accurately | Prevents reassessment and penalties on under-reporting. |
| 7 | Confirm your classification and rate group | Stops you overpaying or being under-rated. |
| 8 | Remit premiums on time, every period | Avoids penalties and interest. |
| 9 | Reconcile reported earnings to payroll at year-end | Catches errors before the WSIB does. |
| 10 | Have a CPA handle WSIB with your payroll | One coordinated process, no missed deadlines. |
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Stop Worrying About WSIB. Stay Compliant.
Construction WSIB compliance from $125/month. Coverage, premiums, clearances, reconciliation, audit support. AFFORDABLE flat fees.