Choosing a general contractor in the GTA comes down to verifying they're licensed, insured, and permitted; that they quote in writing and warranty their work; and that they can show you real, recent projects. The contractors who do all seven of the following comfortably are the ones worth hiring.
The 7 questions
- Are you insured and WSIB-covered? Ask for proof — not a verbal yes. Uninsured work makes you liable for injuries on your property.
- Do you pull the permits, or is that on me? The right answer is that they handle permits and inspections. Offloading permits to the homeowner is a red flag.
- Do you use licensed electrical and plumbing trades? Code work must be done by licensed trades to pass inspection and keep insurance valid.
- Can I see recent projects and speak to past clients? Real contractors have references and repeat clients who will vouch for them.
- Is the quote fixed and itemized? A detailed written quote protects both sides. Vague ballparks invite change-order surprises.
- What does your warranty cover, and for how long? Look for a written workmanship guarantee, not a handshake.
- Who is my point of contact during the job? You want one accountable person owning the schedule — not a rotating cast.
Red flags to walk away from
- Cash-only deals or a large deposit demanded up front.
- No written contract or a quote scribbled on a business card.
- Reluctance to pull permits or 'we can skip the permit to save you money.'
- No proof of insurance or WSIB coverage.
- Pressure to decide today.
A contractor who has been in business for decades and has repeat clients has already passed the hardest test: people trusting them with their home more than once.
Want to work with a GTA contractor that checks all seven boxes?
Talk to BlackstoneFrequently asked
A reasonable renovation deposit is typically 10–20% to secure scheduling and order materials, with the balance tied to progress milestones. Be cautious of any contractor demanding a large up-front payment or cash only.