When it comes to home renovations, commercial builds, or even small-scale repairs, hiring the right contractor is one of the most important decisions you’ll make. While it might be tempting to go with the lowest quote or a friend-of-a-friend who “knows a guy,” working with a licensed and insured contractor in Alberta—especially in Southern Alberta—offers protection, peace of mind, and results that meet both legal and safety standards.
The Risks of Hiring an Unlicensed or Uninsured Contractor
It’s not just about cutting corners. In Alberta, there are real legal and financial consequences if you choose to work with someone who isn’t properly licensed or insured.
1. You Could Be Held Liable for Injuries on Your Property
If an uninsured contractor or worker gets injured on your property, you could be held legally and financially responsible. This includes potential claims under Alberta’s Occupiers’ Liability Act. Workers’ compensation coverage (WCB) and liability insurance are designed to protect both you and the contractor. Without it, you’re exposed.
2. No Legal Recourse for Poor Workmanship or Abandoned Jobs
Hiring a contractor without a valid license can mean they’re not accountable to any regulatory body, like Alberta’s Service Alberta or local city building authorities. If something goes wrong—be it poor workmanship, unfinished work, or disappearing with your deposit—you may have limited or no legal recourse.
3. Home Insurance Claims May Be Denied
Many homeowners don’t realize that hiring an unlicensed contractor can void their home insurance policy. If your insurer finds out that electrical, plumbing, or structural work was done by someone not certified to do so, any claims related to that work may be denied.
4. You May Be Breaking Local Building Codes
In Alberta, building codes and safety standards are regulated at the provincial and municipal level. In cities like Lethbridge, Medicine Hat, and surrounding areas, permits and inspections are often required. An unlicensed contractor may skip these steps, putting your property at risk of fines, stop-work orders, or forced demolition of non-compliant work.
What It Means to Be Licensed and Insured in Alberta
Licensing
A licensed contractor has met the requirements set by the province and local municipalities. This may include:
- Business licensing through Service Alberta
- Trade certifications (e.g., for electricians, plumbers, and gas fitters)
- Permitting authority through city or municipal offices
Insurance
At a minimum, a reputable contractor should carry:
- General liability insurance (to cover damage or injury during work)
- Workers’ Compensation Board (WCB) coverage for their employees
- Bonding (in some cases) to ensure job completion or client compensation
How to Protect Yourself as a Home or Property Owner
1. Ask for Proof
Reputable contractors will happily provide their license number, WCB clearance letter, and certificate of insurance. Don’t just take their word for it—verify it.
2. Check References and Reviews
Look at past client reviews, ask for referrals, and check their reputation with the Better Business Bureau or Alberta Trade Associations.
3. Get a Written Contract
A detailed written contract protects both parties. It should include the scope of work, timelines, payment schedule, and what happens if either party defaults.
Final Thoughts
Whether you’re building a garage, finishing your basement, or planning a major renovation, make sure you’re working with a contractor who is licensed, insured, and accountable. In Southern Alberta, where building standards, weather conditions, and municipal regulations vary, hiring a qualified contractor isn’t just a smart move—it’s a necessity.
Don’t take unnecessary risks. Protect your home, your investment, and your peace of mind.
At Highlow Roofing
At Highlow Roofing, we take your trust seriously. We are fully insured, giving our clients peace of mind knowing they’re protected from liability during every job. We’re also accredited by the Better Business Bureau, a reflection of our commitment to quality, transparency, and professionalism. Whether it’s a minor roof repair or a full replacement, you can count on Highlow Roofing to get the job done right—safely and reliably.
