How do I verify a deck builder's WorkSafeNB coverage in New Brunswick?

Verifying a deck builder's WorkSafeNB coverage is absolutely critical before hiring — it protects you from liability if someone gets injured on your property. Here's exactly how to check their coverage and what to look for.

The easiest way to verify WorkSafeNB coverage is to ask the contractor for their Certificate of Good Standing directly. Every legitimate deck builder in New Brunswick should be able to provide this document immediately — it shows their account number, coverage dates, and that premiums are current. If they hesitate or can't produce this certificate, that's a major red flag.

You can also verify coverage yourself by calling WorkSafeNB directly at 1-800-222-9775. Have the contractor's business name and account number ready (they should provide this). WorkSafeNB will confirm whether coverage is active and current. This takes just a few minutes and gives you peace of mind.

For deck construction in New Brunswick, the contractor needs Class 40320 coverage (Residential Construction) at minimum. Some larger contractors may have broader construction classifications. The key is that coverage must be active during your project dates — not expired or suspended.

Why WorkSafeNB coverage matters so much: If an uninsured worker gets injured building your deck, you could be personally liable for medical costs, lost wages, and other damages. New Brunswick courts have held homeowners responsible for tens of thousands in injury costs when hiring uninsured contractors. WorkSafeNB coverage transfers this liability away from you.

Red flags to watch for: Contractors who say they're "too small" to need coverage, claim they're "independent contractors" (doesn't matter — they still need coverage), or promise to get coverage "before starting work." In New Brunswick, any contractor doing construction work must have WorkSafeNB coverage before setting foot on your property.

Beyond WorkSafeNB, also verify general liability insurance (minimum $2 million coverage recommended for deck work). This covers property damage — like if they accidentally damage your house siding while building the deck. Ask to see their insurance certificate and confirm it's current.

When hiring through New Brunswick Decks, we pre-screen contractors for WorkSafeNB coverage and insurance, but you should still verify these documents yourself before signing any contract. Legitimate deck builders expect these questions and will provide documentation promptly.

Pro tip: Take photos of all insurance and WorkSafeNB documents before work begins. Store these with your contract. If there's ever an incident, you'll have proof that you hired an insured contractor and did your due diligence as a responsible homeowner.

Need help finding a properly insured deck builder? New Brunswick Decks can match you with pre-screened contractors who carry full WorkSafeNB coverage and liability insurance.