Safe, Secure & Protected

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If the contractor does not have the proper insurance coverage from both the WCB and a private insurance company, you could be held liable. This includes any small accident or mishap that happens on your property.

Why Coverage Matters for Homeowners and Clients

If you hire a contractor or subcontractor who isn’t covered by WCB (Workers’ Compensation Board) insurance, you’re not just risking a headache—you could actually become financially responsible for workplace injuries, compensation claims, or unpaid WCB premiums. Even a minor slip, trip, or fall could mean you’re on the hook for costs that go far beyond what you’d expect. In some cases, you might even have to provide coverage and pay premiums on their behalf. Protecting yourself with the right documentation isn’t just a formality—it’s your safety net against the risk of lawsuits and unexpected expenses.

WCB and Commercial Insurance are basic documents all painting companies should be able to produce to prove their competency and compliance.

Top Coat Painting is happy to provide you with peace of mind, knowing that you’re in good hands.

Our $5 Million general liability insurance provides coverage for property damage and bodily injury claims that may arise. Our coverage also offers property protection and ensures that any damage caused during the project is repaired or replaced. At your request, we will provide you with a WCB Clearance letter. This is part of Top Coat Painting’s guaranty.

Limiting Your Liability as a Contractor, Subcontractor, or Business Owner

Navigating the world of workplace safety can feel like tiptoeing through a minefield, but there are tried-and-true steps to keep your liability in check—and your mind at ease.

First, understanding workers’ compensation is key. This insurance isn't just a formality; it provides wage replacement, medical care, and rehabilitation if someone is injured on the job, all while protecting you from potential lawsuits.

Here’s how you can safeguard yourself and your business:

• Open a WCB Account: Setting up your own Workers’ Compensation Board (WCB) coverage is essential, even if your industry considers it optional. This doesn't just cover your workers—it covers you, too.
• Always Ask for a Clearance Letter: Before hiring any contractor or subcontractor, request this official document. It confirms they have up-to-date workers’ compensation coverage so you’re not left holding the bag if an accident happens.
• Make Coverage Non-Negotiable: Put it in writing—workers’ comp coverage should always be a condition in your contract. No coverage, no deal. Simple as that.
• Double-Check Before Payment: Before you cut that final check, get another clearance letter to make sure nothing has lapsed during the project.
• Consider Voluntary Coverage: If you're an owner, director, or working in a field where coverage isn’t mandatory, don't leave it up to chance. Voluntary coverage closes the liability gap and shields you from personal lawsuits.
• If Coverage Is Missing: Sometimes, a contractor or subcontractor may not have—or be eligible for—WCB coverage. In that case, you can provide coverage for them as if they were your employees. This protects your business, but also means taking on responsibility for any work-related injuries.

By following these steps, you can avoid unexpected legal headaches and keep the focus right where it belongs: on a job well done.

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Top Coat Painting has full commercial liability coverage and is in good standing with our WCB insurance. That means we’re ready to help you paint your home. Contact us today through email, or call (250) 385-0478 for your free estimate and expert advice for your painting project.

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WCB Clearance Letter

Hiring Top Coat Painting is a smart choice! We’re fully insured with both WCB and general liability coverage, providing you with peace of mind. This allows you to focus on the transformation of your space without the worry and uncertainty.

We’ve done the work for you! Below you will find the most current and up-to-date WCB clearance letter – in good standing.

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Why does a WCB clearance letter matter?

A WCB clearance letter is more than just a piece of paper—it’s your assurance that we’re in good standing with the Workers’ Compensation Board, with no outstanding debts or lapses in coverage. Here’s why it’s important:

• Proof of Compliance: It demonstrates that we’re compliant with all workers’ compensation laws, giving both homeowners and regulatory bodies confidence in our business practices.
• Legal Requirement: In many cases, especially for larger or government projects, providing a WCB clearance letter isn’t optional—it’s required.
• Contract-Ready: Many organizations require this documentation before awarding contracts, ensuring that only qualified and responsible contractors are on site.
• Liability Protection: By working with a fully covered company, you reduce your risk of being held liable for workplace injuries, compensation claims, or outstanding WCB premiums.
• Coverage Confirmation: You’ll know that everyone working on your property is properly covered, in the correct industry classification, so there are no surprises if an accident occurs.

With Top Coat Painting, you’re not just getting exceptional craftsmanship—you’re also getting the security and transparency you deserve.

We’ve done the work for you! Below you will find the most current and up-to-date WCB clearance letter – in good standing.

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Where to Obtain Provincial WCB Clearance Letters

In Western Canada, provincial Workers’ Compensation Boards issue WCB clearance letters to confirm that a contractor is registered and in good standing. You can request or verify clearance through the following official organizations:

• WorkSafeBC (British Columbia)
• WCB Alberta
• Workers Compensation Board of Manitoba
• Saskatchewan Workers’ Compensation Board

Each of these organizations provides a straightforward process for obtaining a clearance letter, ensuring your contractor meets compliance requirements for your protection and peace of mind.

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Insurance & Commercial Liability

Top Coat Painting is a professional commercial and residential painting company in Victoria BC. We keep up to date with our General Liability and Commercial Insurance to demonstrate transparency, professionalism and a commitment to responsible business practices.

Top Coat Painting is dedicated to ensuring the safety and protection of your home and property, and our employees. In over 20 years of successful interior and exterior painting, we have been known to be a trustworthy and reputable painting company.

Below you will find our commercial insurance policy of $5 Million to reassure that your home is in safe hands with our team.

Get a fresh WCB clearance letter for Top Coat Painting by clicking the WorkSafe BC Logo:

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Insurance & Commercial Liability

Top Coat Painting is a professional commercial and residential painting company in Victoria BC. We keep up to date with our General Liability and Commercial Insurance to demonstrate transparency, professionalism and a commitment to responsible business practices.

Top Coat Painting is dedicated to ensuring the safety and protection of your home and property, and our employees. In over 20 years of successful interior and exterior painting, we have been known to be a trustworthy and reputable painting company.

Below you will find our commercial insurance policy of $5 Million to reassure that your home is in safe hands with our team.

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