1. Check the Builder’s Credentials, Licenses & Insurance
Before talking design, materials, or budget, the first and most important step is confirming that your builder is properly licensed, insured, and professionally qualified. This quick guide explains what documents to ask for, how to check them, and why proper verification protects your budget, safety, and peace of mind.
Essential Licenses & Proof You Should Ask For
A reliable builder is always prepared to share documentation. At a minimum, you should expect:
Business registration
General contractor license (varies by municipality)
WSIB coverage
Liability insurance (ideally $2M or more)
Builder’s risk insurance (recommended for new builds and additions)
TARION/HCRA registration (for new home construction, if applicable)
These protect you financially, ensure compliance with Ontario regulations, and reduce surprises if an incident occurs on-site.
Memberships & Professional Associations
Memberships aren’t mandatory, so homeowners shouldn’t be alarmed if a builder isn’t part of them.
However, being associated with well-known industry organizations can signal professionalism, accountability, and ongoing education.
Common associations in Ontario include:
BILD (Building Industry and Land Development Association)
OHBA (Ontario Home Builders’ Association)
CHBA (Canadian Home Builders’ Association)
RenoMark
CSC (Construction Specifications Canada)
Membership often means the builder follows specific standards or codes of conduct, attends industry events, stays informed about regulatory changes, and invests in staying current with best practices. Homeowners don’t need to know every association—just recognize that these affiliations generally reflect a builder’s commitment to quality and professionalism.
Want a Quick Breakdown of These Credentials?
If you’d like a clear, plain-language breakdown of what each license, certification, or membership really represents — and how it affects you as a homeowner, you can read our short guide:
How to Verify a Builder’s Credentials
Request copies of licenses, insurance, and WSIB documentation.
Ask questions if anything is unclear.
Check public directories when available.
Treat hesitation or vague answers as a red flag.
Reputable builders know this is a normal part of the process and will always be transparent.
Learn how to compare builder pricing, spot hidden costs, review timelines, avoid unrealistic promises, and discover red flags that lead to delays or budget overruns.