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Business Insurance BC  /  Contractor Insurance BC  /  Who Is the Prime Contractor on Your Site
Multi-employer sites

Two trades on one site means somebody is the prime contractor. Know if it is you.

WorkSafeBC expects a written agreement naming who coordinates safety when more than one employer works at the same place. Taking that role adds a duty over everybody on the site, and it is often accepted without anyone realising it has been accepted. Your liability cover should know about it.

Build the contractor file Read the short answer first
In writing

The agreement should name the prime.

Coordinate

The prime coordinates everyone on site.

Still yours

Your own crew stays your responsibility.

The quick version

Who is the prime contractor on a job in BC?

Whoever the written agreement says it is. WorkSafeBC puts it plainly: “In a workplace where there are two or more employers working at the same time, a written agreement should identify a prime contractor.” If nothing is written down, that question gets answered after an incident instead of before one.

The prime contractor’s job is to “coordinate the occupational health and safety activities of all employers, workers, and anyone else at the workplace”. That is a duty over people who do not work for you. It does not replace your own duty either. WorkSafeBC is explicit that employers still keep responsibility for the health and safety of their own workers.

The part people skip

Small renovation jobs are where this catches people. A homeowner hires three trades directly, nobody signs anything, and the busiest trade on site behaves like the prime without ever agreeing to be one. If something happens, the question of who was coordinating gets asked, and the answer shapes both the WorkSafeBC file and the liability claim that follows it. Read the contract before you accept the role, and tell us when you have. Read WorkSafeBC on roles and responsibilities (opens in a new tab).

What to sort out

Four things to settle before the first trade arrives.

Whether you agreed to be prime

Read the contract for it by name. Some general contracts hand the role over in a single line, and accepting it changes what you are answering for on that site.

What the role actually requires

Coordination is a real activity, not a title. Orientation, hazard communication, and a record of both. If you hold the role, it needs to be visible in how the site runs.

Who else is insured

Collect certificates from every trade before they start, and check the dates. A subtrade with lapsed cover becomes your problem the moment something goes wrong.

What your policy was told

Acting as prime on larger sites is a change in what you do. Tell us, because a policy written for one trade on small jobs is not the same as one written for a site coordinator.

How it usually happens

Three sites, three ordinary arrangements.

The renovation with no paperwork

An owner hired the trades directly and nobody was named. The trade with the most people on site was treated as the one who should have been coordinating.

The clause nobody read

One line in the subcontract handed the prime role over. It was signed to get the job started, and it changed the duty before a single tool came out of the van.

The certificate that had expired

The subtrade had cover when they were hired and none by the time of the incident. Nobody had checked the renewal date, and the claim came looking upstream.

Tell us how your sites are run

Say whether you take the prime role, and on what kind of job, and we will make sure the policy matches.

The trades you use, the size of your typical site, whether you sign as prime, and how you collect certificates from subtrades.

Build the contractor file
What people ask us

The questions contractors ask about prime.

Can I refuse to be the prime contractor?

It is an agreement, so it can be negotiated before you sign. What you should not do is accept it without noticing, which is what happens when nobody reads that clause until after an incident.

Does being prime change my insurance?

It changes what you are exposed to, so it should be part of the conversation. Tell us and we will make sure the policy is written for the sites you actually run.

Am I responsible for a subtrade’s worker?

WorkSafeBC says employers keep responsibility for their own workers. The prime coordinates the whole site. Both duties exist at once, which is why the written agreement matters.

What should I collect from every subtrade?

A certificate of insurance with current dates, and their WorkSafeBC standing. Check both at the start of the job and again if the job runs long.

It is a small job. Does any of this apply?

The test is two or more employers on site at the same time, not the size of the job. A two-day renovation with three trades on it is a multiple-employer workplace.

Two that sit next to this on the same site: a clearance letter or a certificate, and when a subtrade causes damage.

Not the question you had? Tell us how your sites are set up and a licensed person will answer it. Use the short contact form.

Know which role you signed for before the site opens.

Send us the contract wording and the kind of sites you run, and we will tell you what the cover has to carry.