Manitobacontractor insurance & bonding requirements
Updated April 2026 · Source: MB Growth Enterprise & Trade + WCB-Manitoba
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $1,000,000
- Workers' comp
- Required for crews
Licensed general contractors in Manitobacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
No provincial GC licensing. Direct Sellers Act registration for door-to-door. Winnipeg requires business license.
Common questions
What insurance does a Manitoba general contractor need?
A Manitoba general contractor needs at minimum $1,000,000 general liability coverage plus $1,000,000 auto liability. Workers' compensation insurance is required for crews. Per MB Growth Enterprise & Trade + WCB-Manitoba.
How much is the surety bond for Manitoba contractors?
Manitoba does not require a state-level surety bond for general contractors. No provincial GC licensing. Direct Sellers Act registration for door-to-door. Winnipeg requires business license.
Who is the licensing authority in Manitoba?
MB Growth Enterprise & Trade + WCB-Manitoba is the authority for Manitoba contractor oversight. Public license lookup is available at https://www.gov.mb.ca/labour/labour/index.html.
How does AskBaily verify contractors in Manitoba?
MB Growth Enterprise & Trade + WCB-Manitoba does not expose machine-readable lookup. AskBaily ops manually verifies Manitoba applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Manitoba can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under MB Growth Enterprise & Trade + WCB-Manitoba. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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