Insurance Requirements
Last updated: January 2026
Insurance requirements for Task Doers operating in Saskatchewan. Understanding your obligations protects you, your clients, and ensures compliance with provincial regulations.
Saskatchewan Workers' Compensation Board (WCB)
Under the Saskatchewan Workers' Compensation Act, 2013, certain industries require mandatory WCB coverage. As an independent contractor, you may be required to register with WCB depending on the type of work you perform.
Visit WCB Saskatchewan1. Overview
SaskTask is a technology platform that connects Task Givers with independent contractors (Task Doers). As an independent contractor, you are responsible for obtaining and maintaining appropriate insurance coverage for your business activities.
Insurance requirements vary based on the type of services you provide. Some categories have mandatory requirements under Saskatchewan law, while others are strongly recommended for your protection.
2. Requirements by Service Category
Construction & RenovationMANDATORY
Required Coverage:
- WCB Coverage (mandatory for construction industry)
- Commercial General Liability ($1,000,000 minimum)
Legal Reference:
Saskatchewan Workers' Compensation Act, 2013
Saskatchewan Construction Industry Labour Relations Act
Electrical ServicesMANDATORY
Required Coverage:
- WCB Coverage (mandatory)
- Professional Liability ($1,000,000 minimum)
- Valid Saskatchewan Electrician's Licence
Legal Reference:
Saskatchewan Electrical Licensing Act
Saskatchewan Electrical Regulations
Plumbing & Gas FittingMANDATORY
Required Coverage:
- WCB Coverage (mandatory)
- Commercial General Liability ($1,000,000 minimum)
- Valid Saskatchewan Plumber's Licence
Legal Reference:
Saskatchewan Plumbing and Drainage Regulations
Gas Licensing Act
Moving & DeliveryMANDATORY
Required Coverage:
- Commercial Vehicle Insurance ($1,000,000+ for moving trucks)
- Cargo Insurance (for goods in transit)
- Commercial General Liability
Legal Reference:
Saskatchewan Auto Fund Requirements
The Automobile Accident Insurance Act
Handyman & General RepairsRECOMMENDED
Recommended Coverage:
- Commercial General Liability ($500,000+ recommended)
- Tools & Equipment Insurance
Note:
While not legally required, liability insurance protects you from claims arising from property damage or injuries during work.
Cleaning ServicesRECOMMENDED
Recommended Coverage:
- Commercial General Liability ($500,000+ recommended)
- Bonding (for high-value properties)
Note:
Insurance demonstrates professionalism and protects against claims for accidental damage to client property.
Painting & DecoratingRECOMMENDED
Recommended Coverage:
- Commercial General Liability ($500,000+ recommended)
- Completed Operations Coverage
Note:
Protects against claims for paint spills, surface damage, and issues discovered after project completion.
3. Types of Insurance Explained
Workers' Compensation (WCB)
Provides wage replacement and medical benefits if you're injured on the job. In Saskatchewan, WCB coverage is mandatory for most construction and industrial work. Self-employed individuals in mandatory industries must register as a "Personal Coverage" client.
Commercial General Liability (CGL)
Protects against third-party claims for bodily injury or property damage caused by your work. Standard policies cover $1-2 million per occurrence. Essential for any contractor working on client property.
Professional Liability (Errors & Omissions)
Covers claims arising from professional mistakes, negligence, or failure to perform services. Required for licensed trades (electrical, plumbing) and recommended for specialized services.
Commercial Vehicle Insurance
Required if you use a vehicle for business purposes. Personal auto insurance does NOT cover commercial use. In Saskatchewan, commercial coverage is obtained through SGI (Saskatchewan Government Insurance).
Bonding
A surety bond protects clients against theft, fraud, or failure to complete work. Often required for cleaning services, moving companies, and contractors working on high-value projects.
4. SaskTask Insurance Verification
Task Doers who maintain verified insurance coverage receive a special badge on their profile:
Insured Professional
This badge indicates verified liability insurance coverage
To Get Verified:
- Upload a copy of your insurance certificate in your profile settings
- Ensure the policy is current and shows minimum required coverage
- Our team reviews and verifies within 2-3 business days
- Badge automatically appears on your profile upon verification
- Re-verification required when policy renews