Is it worth paying extra for a contractor with WCB (Workers' Compensation Board) coverage for a basement renovation, or can I save money without it?

Absolutely pay for a contractor with WCB Alberta coverage — this isn't optional cost-cutting territory, it's essential protection that could save you tens of thousands in liability.

WCB Alberta coverage is legally required for any contractor with employees working on your property. If a worker gets injured on your basement renovation and the contractor doesn't have valid WCB coverage, you as the homeowner become liable for medical costs, lost wages, and potentially permanent disability payments. We're talking about liability that could easily reach $100,000-$500,000+ for a serious injury.

The "savings" from hiring an uninsured contractor are illusory. Legitimate contractors factor WCB premiums into their pricing — typically 1-3% of project cost depending on the trade. So on a $40,000 basement renovation, you might save $400-$1,200 upfront by going with an uninsured contractor, but you're exposing yourself to catastrophic financial risk. It's like declining house insurance to save on monthly premiums.

Beyond the legal requirements, WCB coverage signals a professional operation. Contractors who maintain proper WCB Alberta coverage are running legitimate businesses with proper safety protocols, employee training, and administrative systems. They're investing in their workers' safety and following Alberta employment standards. Contractors who skip WCB coverage often cut other corners too — permits, insurance, quality materials, or proper installation methods.

Verify coverage before signing any contract at wcb.ab.ca using the contractor's business name or account number. Coverage must be active during your project dates. Don't accept expired certificates or promises to "get coverage soon." Your homeowner's insurance will not cover you if an uninsured worker is injured — this exclusion is standard in Alberta home insurance policies.

For basement renovations specifically, workers are dealing with electrical rough-in, plumbing, concrete cutting, heavy lifting, and working in confined spaces. Injury risks are significant. A slip carrying drywall down basement stairs, an electrical shock, or a back injury from lifting can result in serious workers' compensation claims.

Next steps: Always request proof of current WCB Alberta coverage before getting quotes, and make WCB compliance a non-negotiable requirement. The small premium difference is insignificant compared to your potential liability exposure. Browse verified contractors with proper insurance and WCB coverage in our Calgary Construction Network directory.