Is WCB mandatory for Manitoba contractors?

Construction is one of the industries that must carry WCB coverage in Manitoba. Get clearances on your subcontractors before they start and before you pay them.

Do I need new home warranty coverage in Manitoba?

It isn't required by law. Manitoba cancelled its mandatory new home warranty legislation in 2019. Many builders still carry third-party warranty, and lenders often ask for it.

What is builder's risk insurance?

Builder's risk, also called course of construction, covers the building and materials while it's being built. It's the policy that pays for a freeze-up or fire on the site itself.

Manitoba trade insurance

Insurance for General Contractors in Manitoba

Liability and builder's risk coverage for Manitoba general contractors. Licensed Manitoba brokers compete for your account.

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General Contractors in Manitoba illustration

Commercial Liability & Risk Guide for General Contractors in Manitoba

General contractors in Manitoba build through extreme cold, spring flooding, and short construction seasons. WCB coverage is mandatory for construction, and if you hire a sub who isn't in good standing, their labour costs can end up on your account. Third-party new home warranty isn't required by law in Manitoba, but most builders carry it through the Manitoba Home Builders' Association, and lenders often expect it. QuoteMatch sends your application to licensed Manitoba brokers who write contractors.

Risks specific to Manitoba

Working in Manitoba brings its own climate, market, and regulatory risks:

Freeze-related losses on sites heated through the winter.
Subcontractor WCB exposure when clearances are missed.
Spring flood exposure on sites near the Red and Assiniboine rivers.
Completed-operations claims on foundations and basements.

Rules and requirements to know

Insurers and clients in Manitoba will expect you to meet these:

Workers Compensation Board of Manitoba coverage and subcontractor clearances.
Manitoba Building Code and local permit requirements.
Voluntary third-party new home warranty through builder programs.

Example claim

How a claim could happen

“A Winnipeg contractor's temporary heater fails on a January weekend at a house under construction. A water line freezes and bursts, flooding the new basement.”

How coverage respondsThe builder's risk policy handles the drying and replacement of damaged materials and finished work.

Official resources

General Contractors in other provinces

Common questions: General Contractors in Manitoba

Is WCB mandatory for Manitoba contractors?: Construction is one of the industries that must carry WCB coverage in Manitoba. Get clearances on your subcontractors before they start and before you pay them.
Do I need new home warranty coverage in Manitoba?: It isn't required by law. Manitoba cancelled its mandatory new home warranty legislation in 2019. Many builders still carry third-party warranty, and lenders often ask for it.
What is builder's risk insurance?: Builder's risk, also called course of construction, covers the building and materials while it's being built. It's the policy that pays for a freeze-up or fire on the site itself.