Comprehensive protection for every roofing project. We're licensed by the province, insured against liability, covered by WSIB, and bonded for your peace of mind.
Understanding Protection
When you hire a roofing contractor, licensing and insurance are your primary forms of protection. Here's why they matter:
The Bottom Line: Hiring an unlicensed or uninsured contractor might save a few hundred dollars upfront. But one accident, injury, or lawsuit could cost tens of thousands of dollars. Our licensing and insurance aren't just credentials—they're your protection.
Protection Shield Image
Legal Standing
Ontario License
Burnham Brothers maintains current licensing in Ontario, meeting all provincial requirements for roofing contractors.
All our work meets or exceeds Ontario Building Code standards:
When required by municipal by-laws, we:
Why This Matters:
Coverage
General liability insurance protects you if damage occurs during our work or if someone is injured on your property.
| Type | Coverage | What It Covers |
|---|---|---|
| Property Damage | Damage to your home or property caused by our work | Accidental damage during installation |
| Bodily Injury | Medical costs if someone is injured due to our work | Coverage for medical bills and lost wages |
| Personal Injury | Legal costs for personal injury claims | Defense and settlement coverage |
| Products/Completed Work | Liability for defects in our work | Coverage after project completion |
| Legal Defense | Coverage for legal costs if we're sued | Lawyer fees and court costs |
Our liability insurance covers situations like:
We provide current Certificates of Insurance (COI) for every project:
Verification: We're happy to provide proof of insurance. You can verify our coverage directly with our insurance provider upon request.
Worker Safety
WSIB (Workplace Safety & Insurance Board) is Ontario's worker compensation system. It provides coverage for workers injured on the job.
If a worker is injured on your property:
Without WSIB:
If an uninsured worker is injured on your property, you could be liable for:
You can verify our WSIB coverage:
Our Account Status:
Status: Active
Coverage: Full coverage for all employees
and registered subcontractors
Details available upon request
Accountability
A bond is a guarantee that we'll fulfill our contractual obligations. If we fail to complete the project or meet our obligations, the bonding company provides compensation.
Bond information and bonding company details available upon request.
Key Differences
| Factor | Licensed & Insured | Unlicensed / Uninsured |
|---|---|---|
| Professional Training | Verified experience & training | Unknown/Unverified |
| Building Code Compliance | Required to meet Ontario Building Code | No requirement |
| Property Damage Coverage | Full liability coverage included | Your responsibility if damage occurs |
| Worker Injury Protection | WSIB covers injuries | You're liable for all injury costs |
| Permits & Inspections | Handles permits and inspections | Illegal to pull permits |
| Warranty/Recourse | Warranty & formal complaint process | No formal recourse |
| Regulatory Oversight | Subject to provincial oversight | No oversight |
| Legal Standing | Can be held accountable for violations | Limited legal standing |
| Price | Professional rates | Potentially lower upfront |
| Risk to You | Minimal; well-protected | Potentially thousands in liability |
Common Concerns
General liability is the overall insurance policy. Property damage is one type of coverage within it—specifically covering damage to others' property. Our general liability includes property damage, bodily injury, and other coverages.
Partially. Some weather-related events are covered (like accidental damage by crew). Weather damage to roofing materials during installation is typically covered if we can prove negligence. Ask about specific situations.
You can request a Certificate of Insurance before work starts. It shows you're named as additional insured and confirms coverage amounts. This provides documented protection.
WSIB provides primary coverage. Our general liability provides additional coverage if injury is caused by our negligence. Combined coverage is comprehensive.
Absolutely. We encourage verification. Request a Certificate of Insurance, check our license status online, and verify our WSIB account. Transparency is important.
Yes. Our policy covers work performed by our subcontractors. Additionally, all subcontractors must be WSIB-covered or registered themselves.
We provide current Certificates of Insurance for each project. Insurance is renewed annually. We maintain continuous coverage.
Bonding provides protection. Additionally, most warranty claims are covered by material manufacturers directly, regardless of contractor status. Your home is protected.
Transparency
We encourage verification. Here's how to confirm our credentials:
| Check | How to Verify | Contact |
|---|---|---|
| Ontario License | Call Ontario Consumer Protection Ministry or check online registry | Ontario Business Registry |
| WSIB Coverage | Visit wsib.on.ca and search employer database | WSIB Search or call (343) 321-0218 |
| General Liability Insurance | Request Certificate of Insurance from us | Call (343) 321-0218 |
| Bond Status | Request bonding company information | Available upon request |
| Insurance Company Verification | Contact our insurance company directly (info on COI) | Included on certificate |
| Business Registration | Check Ontario business registrar | Ontario Registrar |
Before You Hire:
We're Completely Transparent: Ask us for any of these verification items. If we're hesitant to provide proof of licensing or insurance, that's a red flag. Legitimate contractors are proud of their credentials.
Peace of Mind
Your roofing project is a significant investment. Our licensing, insurance, and bonding provide multiple layers of protection:
Peace of Mind:
You can relax knowing:
Protection Badges:
Licensed
Fully Insured
WSIB Covered
Bonded
35+ Years
Your roofing project deserves professional, credentialed contractors. We're licensed, fully insured, WSIB-covered, and bonded. Get your free estimate with complete peace of mind.