Insurance and WSIB
WSIB Coverage and $5M+ Insurance – Protecting You, Your Home, and Our Team
You've checked licenses, you've looked at reviews, you've compared prices. But have you asked your contractor about WSIB and liability insurance? It's one of the most important questions you can ask – and at Ductless Certified Heat Pump, we're proud to say yes to both. We carry full WSIB coverage and over $5 million in liability insurance. Why does that matter for your ductless heat pump installation? Because if something goes wrong, you're not the one left holding the bag. Insurance protects you, your home, and our team.
Let's start with WSIB. In Ontario, WSIB stands for Workplace Safety and Insurance Board. It's the provincial system that covers workers if they're injured on the job. If a contractor doesn't have WSIB coverage and one of their workers gets hurt on your property, guess who could be on the hook? You. Seriously. Homeowners can be held liable for medical bills, lost wages, and legal fees if an uninsured worker is injured at their home. That's a nightmare scenario that proper WSIB coverage prevents. When we say we're a WSIB-covered contractor, it means our team is protected, and so are you. It's not optional – it's essential.
Now, about that $5 million liability insurance. This is different from WSIB. Liability insurance covers damage to your property, not injuries to workers. What if our technician accidentally drills into a water pipe and floods your basement? What if a tool falls and damages your hardwood floor? What if the refrigerant line develops a leak and damages your drywall? Accidents happen – even to careful professionals. Our Ductless insurance policy covers repair costs, replacement costs, and any associated damages up to $5 million. Some contractors carry the bare minimum, like $1 million or even $500,000. With today's construction and renovation costs, that can disappear fast. We carry over $5 million because we want you to have real peace of mind.
Here's a hard truth: Many small "handyman" HVAC operators don't carry WSIB or adequate liability insurance. It's expensive, so they skip it. But when you hire them, you're taking on their risk. If something happens, your homeowner's insurance might have to cover it – or worse, you could be personally sued. That's a risk no homeowner should take. When you choose us for your single zone system, multi zone installation, or any repair or maintenance, you're not just getting licensed technicians. You're getting the financial protection that comes with proper WSIB coverage and substantial liability insurance. That's the kind of professional standard we insist on.
Systems We Install with Full Insurance Coverage
Our WSIB and liability insurance cover all the ductless heating and cooling systems we install. We work with top brands like Mitsubishi, Daikin, Fujitsu, LG, and others.
Our Full Suite of Certifications and Coverage
WSIB and $5M liability insurance are just part of our commitment to protecting you. Our team also includes a licensed Gas Technician 1, a 313A Refrigeration and Air Conditioning Mechanic, we're a fully TSSA certified gas contractor, and a proud HRAI member. We've got every credential you should look for.
Save with Rebates, Coupons, Financing, and Rentals
We help customers apply for rebates, use our seasonal coupons, set up flexible financing, or explore rental options – all with the protection of our full insurance coverage.
Our Insurance Protects You Across the GTA
Our WSIB and $5M liability insurance cover every job we do throughout the Greater Toronto Area, including Toronto, Vaughan, Richmond Hill, Markham, and Mississauga. Wherever you live, you're protected.
What Homeowners Say About Our Insurance and Professionalism
Asked for Proof of Insurance – They Sent It Immediately
“I'm a bit paranoid after a bad experience with an uninsured handyman. Before letting anyone touch my house, I always ask for WSIB and liability certificates. Ductless Certified emailed both within an hour. That's how professionals operate.”
Andrea Mitchell
Saved Me from a Potential Disaster
“An unlicensed guy quoted me half the price. Something felt off, so I asked about insurance. He admitted he had none. I went with Ductless Certified instead. Found out later that the cheap guy had damaged someone else's house and had no way to pay for repairs. Worth every extra dollar.”
Kevin Patterson
My Insurance Company Required It
“My home insurance required that any contractor working on my property have WSIB and $2M liability. Ductless Certified had $5M – above and beyond. My insurer was impressed, and so was I.”
Linda Fraser
Why You Should Never Hire an Uninsured Contractor
You might be tempted to save money by hiring a contractor who doesn't carry WSIB or liability insurance. Please don't. Here's what you're risking: If a worker gets hurt on your property, you could be sued for medical bills, rehabilitation costs, and lost wages. Ontario courts have awarded hundreds of thousands of dollars against homeowners in these cases. If your own home insurance finds out you hired an uninsured contractor, they may deny coverage entirely. You could be personally bankrupted by an accident that wasn't even your fault.
And what about damage to your home? Our $5M liability policy covers accidental damage during your single room mini split or whole home installation. Without that, you'd be paying out of pocket for any mistakes. A flooded basement from a nicked water pipe? That's on you. A dropped tool that cracks your tile floor? Also on you. Don't take that chance. When you hire us, you're not just getting a licensed ductless HVAC contractor. You're getting the peace of mind that comes with proper insurance coverage. It's the responsible choice for you, your family, and your home.
Top Ductless Brands We Install with Full Insurance Coverage
We install and service all major brands, including Mitsubishi, Daikin, Fujitsu, LG, Carrier, Lennox, Trane, Gree, Tosot, Moovair, Napoleon, Senville, and Panasonic.
Learn More About Protecting Your Home During HVAC Work
Visit our blog for articles explaining WSIB requirements, why liability insurance matters, and how to verify a contractor's coverage before they start your ductless heat pump installation.
Frequently Asked Questions About WSIB and Contractor Insurance
Yes. If an uninsured worker gets hurt on your property, you could be held liable for their medical bills and lost wages. WSIB protects you from that risk. It's not optional – it's essential.
At least $2 million is standard for residential work. We carry over $5 million because we believe in extra protection for our customers.
Absolutely. Any reputable contractor will be happy to provide a certificate of insurance. We can email you ours before we even start the job.
You would have to sue them personally, and if they don't have assets or insurance, you may never recover the repair costs. Your own home insurance might cover it, but your premiums could increase. It's much better to hire an insured contractor from the start.