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What WSIB costs you this year on your own crew, and what it can cost you a second time on the subcontractors you never collected a clearance certificate from.
Gross earnings for everyone you cover, capped at the annual maximum per worker. The maximum for the year is on your WSIB statement.
Take this straight off your WSIB statement. Rates are set by class and revised, so the one on your statement is the only one worth using.
Only the ones where you cannot produce a clearance certificate covering the period they worked. If you have the certificate, leave this at zero.
Labour-only subs are 100. A sub supplying their own materials or equipment is lower, and the split is a question of what the contract actually covered.
Filled in with an example so the page answers before you type anything. Change any field and the answer, and the link to it, become yours.
Premium on your own crew
$8,250.00
Premium you can be charged for uncleared subs
$0.00
Total for the year
$8,250.00
A clearance certificate expires
One is valid for 90 days from the day it is issued. A certificate pulled at the start of a six-month job and never renewed stops covering the work partway through, and the months after it lapsed are the months that get assessed.
Premium on your own insurable earnings
$150,000.00 / 100 x 5.5 = 8250.00
$8,250.00
Total WSIB premium for the year
8250.00 + 0.00 = 8250.00
$8,250.00
Every subcontractor you work with gets a record with their clearance certificate and its expiry on it, and the day one is about to lapse you are told, before the work that it stops covering is done.
The same record holds their certificate of insurance, so the paperwork a general contractor asks you for is already assembled instead of being chased across three inboxes.
wsib_clearance_validity_days (CA-ON) Published source Last read from the source Aug 12, 2026.HST on holdback calculator
The HST you charge on a holdback invoice, and the part of it you do not have to remit yet. Shows both dates the deferral turns on.
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Preservation, perfection and the annual holdback cycle, counted with the periods in the Construction Act.
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Proper invoice date in. The 28 days, the 14-day dispute notice, and your own 7 days down to your subs, all dated.
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T5018, HST, T4, payroll, WSIB and EHT, dated from your own year end. Including the T5018, which most contractors have never heard of.