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When you hire someone to work in your home to meet your personal or domestic needs, you are considered a residential employer. Whether you hire the worker on a full-time, part-time, or casual basis, you may need to register for WorkSafeBC insurance coverage if you hire:
You do not need to register if you hire a person:
Homeowners and B.C. residents who hire workers cannot be sued for the costs of a work-related injury or disease. If a worker is injured in your home while on the job, WorkSafeBC pays for the worker's entire medical and wage-loss costs.
In return for this protection, you are expected to:
The law requires WorkSafeBC to compensate injured workers - even when employers have not registered with WorkSafeBC. If a homeowner does not register with WorkSafeBC and pay premiums when required, the results could be costly. WorkSafeBC may charge the homeowner for all compensation costs and unpaid premiums.
When you hire people to work in or around your home, always ask them whether they carry their own coverage. If they do, ask for their WorkSafeBC account numbers. Double-check their information by requesting an online clearance letter from WorkSafeBC before they begin working for you and before you make a final payment. A clearance letter gives you assurance that you won't be held responsible for someone else's payments to WorkSafeBC.