Starting out in Ontario

How to Start Things in Ontario

Every guide and free tool on this page genuinely applies in Ontario — Alberta licensing guides and BC permit guides are left out. Plus the Ontario-specific rules that trip up new businesses.

Starting out in Ontario: four rules worth knowing

Your business name registration lasts five years — and nobody reminds you

When you register a sole proprietorship or partnership name in Ontario, the Ontario Business Registry issues what most people still call a Master Business Licence (officially a Business Name Registration since 2021). It's valid for five years, and the government sends no renewal reminders — the responsibility is yours. If it lapses, you lose the right to operate under that business name until you re-register. Put the expiry date in your calendar the day you register.

Change your address or business activity? You have 15 days to update the registry

Under Ontario's Business Names Act (R.S.O. 1990, c. B.17, s. 4(4)), if any of your registered information changes — your address, what the business does, and so on — you must file an amended registration within 15 days of the change. It takes a few minutes online through the Ontario Business Registry, and forgetting is the kind of quiet non-compliance that only surfaces when something else goes wrong.

Source: Our sole-proprietorship guide covers this rule

Incorporating in Ontario costs $300 online

Filing articles of incorporation through the Ontario Business Registry costs about $300, online or by mail. Choose a numbered corporation (like 1234567 Ontario Inc.) and you skip the name search entirely; choose a named corporation and you'll need an Ontario-weighted NUANS name search report from a private search house before you file.

Source: LexStart: incorporation costs in Ontario

Hiring employees? Sort out WSIB first — construction has no opt-out

Most Ontario employers in mandatorily covered industries must register with the Workplace Safety and Insurance Board. In construction the rules go further: expanded compulsory coverage means even sole proprietors, partners, and executive officers must carry coverage — staying solo doesn't exempt you. Sole proprietors in other industries can apply for optional insurance.

Source: WSIB: who must register

Free tools

Free tool

Sole Proprietorship vs Incorporation: Tax Calculator (Ontario)

Sole proprietor or incorporated in Ontario: compare after-tax income using 2026 tax brackets, CPP rates, and dividend credits. Free, no signup.

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Free tool

Sole Proprietor or Incorporated: Which Fits You? (Quiz)

Five questions, no signup: find out whether to start as a sole proprietor or talk to an accountant about incorporating in Canada.

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Free tool

Plumbing Startup Cost Estimator (Canada)

Add up your startup costs for a plumbing business in Canada: registration, insurance, van, tools, and more. Free, no signup.

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Free tool

Plumbing Business Startup Checklist (Canada)

Thirteen steps from apprentice to first paid job: licensing, registration, insurance, and pricing. Printable and tick-offable. Free, no signup.

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Free tool

Plumbing Business First-Year Cash-Flow Planner (Canada)

Month-by-month cash in and out for your first year: one-time startup costs, monthly expenses, and when paying work starts. Free, no signup.

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Free tool

Food Truck Rent or Buy Calculator (Toronto)

Should you rent a truck for the season or buy your own? Type your own numbers and see which path costs less over one to five years. Free, no signup.

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Guides that apply in Ontario

Everything below is genuinely applicable in Ontario — province-specific guides from elsewhere are left out.

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