{"id":17198,"date":"2026-01-23T08:44:43","date_gmt":"2026-01-23T08:44:43","guid":{"rendered":"https:\/\/www.ona.ca\/?p=17198"},"modified":"2026-03-17T11:49:40","modified_gmt":"2026-03-17T11:49:40","slug":"3-essential-types-of-insurance-for-ontario-contractors","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/3-essential-types-of-insurance-for-ontario-contractors\/","title":{"rendered":"3 Essential Types of Insurance Every Ontario Contractor Needs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17198\" class=\"elementor elementor-17198\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260ad659 e-flex e-con-boxed e-con e-parent\" data-id=\"260ad659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4c7132 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"e4c7132\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you are running a construction site in Ontario, you know that the risks can be just as real as the rewards. Construction is the backbone of our local economy, but it is also an industry where a single accident or a midnight theft can wipe out a year\u2019s worth of profit.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At Oegema, Nicholson &amp; Associates, we have been insuring Ottawa\u2019s builders and tradespeople since 1961. We know that &#8220;standard&#8221; coverage often leaves dangerous gaps. You might have <\/span><a href=\"https:\/\/www.wsib.ca\/en\" target=\"_blank\" rel=\"noopener\">WSIB<\/a><span style=\"font-weight: 400;\"> for your workers, but who pays if a wall collapses on a neighbour\u2019s car? Or if your skid steer is stolen from the job site?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">To truly protect your balance sheet, you need a defence strategy built on three pillars. Here is a breakdown of the three essential types of builders insurance that every Ontario contractor needs to survive and thrive.<\/span><\/p><h2><b>1. Commercial General Liability (CGL)<\/b><\/h2><p><span style=\"font-weight: 400;\">Do I really need liability insurance if I have WSIB?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yes. WSIB only covers injuries to your own workers. <\/span><a href=\"https:\/\/www.ona.ca\/commercial-general-liability-insurance-ottawa\/\">Commercial general liability<\/a><span style=\"font-weight: 400;\"> (CGL) covers your legal liability for third-party bodily injuries or property damage caused by your operations, including legal defence costs.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">For contractors, CGL is the foundation of your risk management. It protects you when your operations cause harm to someone else: a client, a visitor, or a passerby. In today\u2019s environment, even a minor lawsuit can cost tens of thousands of dollars to defend.<\/span><\/p><h3><b>Why Ottawa Contractors Need Robust CGL<\/b><\/h3><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>The &#8220;Duty to Defend&#8221;:<\/b><span style=\"font-weight: 400;\"> If you are sued, your insurer typically assumes the cost of your legal defence up to your policy limit. This protects your business capital from being drained by legal fees.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>City Permits:<\/b><span style=\"font-weight: 400;\"> If you need a <\/span><a href=\"https:\/\/ottawa.ca\/en\/planning-development-and-construction\/construction-right-way\/road-cut\/how-apply-road-cut-permit\" target=\"_blank\" rel=\"noopener\">road cut permit<\/a><span style=\"font-weight: 400;\"> or an <\/span><a href=\"https:\/\/ottawa.ca\/en\/planning-development-and-construction\/construction-right-way\/temporary-construction-related-encroachments\" target=\"_blank\" rel=\"noopener\">encroachment permit<\/a><span style=\"font-weight: 400;\"> in Ottawa, city bylaws strictly mandate a minimum of $2 million in CGL coverage. Without this coverage, your permit will be rejected.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Completed Operations:<\/b><span style=\"font-weight: 400;\"> The risk doesn&#8217;t end when you leave the site. If a deck you built in 2024 collapses in 2026 due to a defect, completed operations coverage ensures your policy still responds.<\/span><\/li><\/ul><h2><b>2. Commercial Property &amp; Tools Coverage<\/b><\/h2><p><span style=\"font-weight: 400;\">Does my business insurance cover my tools if they are stolen from my truck?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Not automatically. Standard liability policies do not cover your property. You need a dedicated tools and equipment floater to protect your mobile assets from theft, fire, or damage while they are in transit or on the job site.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Ontario has recently seen a spike in organized theft targeting high-value construction equipment. From handheld drills to heavy excavators, your assets are targets. A standard property policy only covers items at your office; to cover items that move, you need a floater.<\/span><\/p><h3><b>Scheduled vs. Unscheduled: Don&#8217;t Get Caught in the Gap<\/b><\/h3><p><span style=\"font-weight: 400;\">To avoid paying out of pocket, you must understand how insurers categorize your gear:<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unscheduled (Blanket) Coverage:<\/b><span style=\"font-weight: 400;\"> Best for smaller, high-turnover items like saws, drills, and hand tools. You get a lump sum limit (e.g., $10,000), but there is often a maximum per item cap (e.g., $500). If your $2,500 specialized drill is stolen and it wasn&#8217;t listed separately, you might only recover the capped amount.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Scheduled Coverage:<\/b><span style=\"font-weight: 400;\"> Mandatory for major assets like backhoes, generators, or skid steers. You must list each item with its serial number and value. This ensures you get full replacement cost coverage rather than a depreciated cash value.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">At ONA, our team works with you to identify the most impactful areas of coverage, developing a comprehensive plan that keeps you covered at a rate that works for your bottom line.<\/span><\/p><h2><b>3. Commercial Auto Insurance<\/b><\/h2><p><span style=\"font-weight: 400;\">Can I use my personal truck for my contracting business?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Likely not, unless you have an endorsement. If you use your vehicle to transport tools, materials, or employees to job sites, a personal auto policy may deny your claim. Commercial auto insurance covers the higher liability risks and usage associated with construction work.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">This is the most common coverage gap we see. Many contractors assume that because they own the truck, their personal insurance covers it. However, once you put a ladder rack on the roof, paint a logo on the door, or start hauling materials to a site in Orl\u00e9ans or Barrhaven, the usage changes fundamentally.<\/span><\/p><h3><b>Why You Need Commercial Auto Policy<\/b><\/h3><ul class=\"unordered-list\" style=\"margin-bottom: 0; padding-bottom: 0;\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Material Transport:<\/b><span style=\"font-weight: 400;\"> Personal policies aren&#8217;t rated for the risk of hauling heavy loads, lumber, or volatile chemicals.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher Liability Limits:<\/b><span style=\"font-weight: 400;\"> In construction, a vehicle accident can involve serious damage to client property or multiple vehicles. Commercial policies generally offer higher liability limits (e.g., $2M to $5M) to protect your business assets.<\/span><\/li><li aria-level=\"1\"><b>Multiple Drivers:<\/b><span style=\"font-weight: 400;\"> If your crew drives your trucks, a <\/span><a href=\"https:\/\/www.ona.ca\/auto-fleet-and-garage-insurance\/\">commercial fleet policy<\/a><span style=\"font-weight: 400;\"> simplifies coverage, ensuring that any qualified employee driving a company vehicle is covered.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-738c449 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"738c449\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Rounding Out Your Protection: Critical Add-Ons<\/b><\/h2><p><span style=\"font-weight: 400;\">While commercial general liability, tools, and auto are the &#8220;Big Three,&#8221; a comprehensive risk management plan often requires more specific protection depending on your trade.<\/span><\/p><p>\u00a0<\/p><div class=\"resp-table\"><table style=\"border: 1px solid black; border-collapse: collapse;\"><tbody><tr><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Coverage Type<\/b><\/td><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>Best For<\/b><\/td><td style=\"background: #e8792a; color: #fff; text-align: center;\"><b>What It Protects<\/b><\/td><\/tr><tr><td><b>Installation Floater<\/b><\/td><td><span style=\"font-weight: 400;\">Plumbers, HVAC, Electricians<\/span><\/td><td><span style=\"font-weight: 400;\">Covers specific materials (like a furnace, piping, or uninstalled fixtures) from theft or damage before they are permanently installed. Unlike a full builders risk policy, this targets just <\/span><i><span style=\"font-weight: 400;\">your<\/span><\/i><span style=\"font-weight: 400;\"> materials on site.<\/span><\/td><\/tr><tr><td><a href=\"https:\/\/www.ona.ca\/builders-risk-insurance-ontario\/\"><b>Builders Risk\u00a0<\/b><\/a><\/td><td><span style=\"font-weight: 400;\">General Contractors, Home Builders<\/span><\/td><td><span style=\"font-weight: 400;\">Covers the entire structure during construction (including materials and sometimes soft costs like delayed opening expenses) against fire, vandalism, and weather.<\/span><\/td><\/tr><tr><td><b>Pollution Liability<\/b><\/td><td><span style=\"font-weight: 400;\">Excavators, Roofers, Painters<\/span><\/td><td><span style=\"font-weight: 400;\">Protects you if your work causes environmental damage, such as a fuel leak from a tank or chemical runoff. CGL often excludes pollution events.<\/span><\/td><\/tr><tr><td><a href=\"https:\/\/www.ona.ca\/cyber-security-insurance\/\"><b>Cyber Liability<\/b><\/a><\/td><td><span style=\"font-weight: 400;\">All Contractors<\/span><\/td><td><span style=\"font-weight: 400;\">Protects your business if you store client data, process payments, or face a ransomware attack on your office systems.<\/span><\/td><\/tr><\/tbody><\/table><\/div><p><br \/><span style=\"font-weight: 400;\">If you are the General Contractor, you likely need a broad form builders risk policy that covers the whole project, including soft costs (like delayed opening expenses and loan interest) if a fire sets your timeline back by months.<\/span><\/p><h2><b>Frequently Asked Questions<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734df0b elementor-widget elementor-widget-n-accordion\" data-id=\"734df0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1200\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are soft costs in builders risk insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1200\" class=\"elementor-element elementor-element-d2211b9 e-con-full e-flex e-con e-child\" data-id=\"d2211b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d83e87 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"1d83e87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Soft costs are the financial losses caused by a project delay, such as additional loan interest, legal fees, or rental costs. Standard builders risk covers &#8220;hard&#8221; materials, but you must specifically add soft costs coverage to be protected from timeline delays.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1201\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1201\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between scheduled and unscheduled tools? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1201\" class=\"elementor-element elementor-element-2c6743b e-con-full e-flex e-con e-child\" data-id=\"2c6743b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a23a891 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"a23a891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Unscheduled coverage provides a blanket limit for small tools (e.g., hand drills) but often caps the payout per item. Scheduled coverage lists high-value items (e.g., excavators) individually by serial number to ensure full replacement cost coverage without low sub-limits.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1202\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1202\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I use my home insurance for a renovation project? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1202\" class=\"elementor-element elementor-element-de6050a e-con-full e-flex e-con e-child\" data-id=\"de6050a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7729097 e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"7729097\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Likely not. Standard home policies often exclude coverage for homes under major renovation or those vacated for more than 30 days. You typically need a dedicated builders risk policy to cover the structure during the construction phase.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe2504d e-con-inner elementor-widget elementor-widget-text-editor\" data-id=\"fe2504d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Construction in Eastern Ontario is complex, with risks ranging from icy job sites to theft. Don&#8217;t rely on a &#8220;one-size-fits-all&#8221; policy or assume the <\/span><a href=\"https:\/\/www.ona.ca\/contractors-insurance\/\">general contractor insurance<\/a><span style=\"font-weight: 400;\"> has you covered.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At <\/span><a href=\"https:\/\/www.ona.ca\/\">Oegema, Nicholson &amp; Associates<\/a><span style=\"font-weight: 400;\">, we don&#8217;t just sell policies; we offer <\/span><b>real advice<\/b><span style=\"font-weight: 400;\"> based on decades of local experience. We can help you audit your current coverage, ensure your tools are properly scheduled, and get you the certificates you need for City of Ottawa permits.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Ready to build with confidence?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\"><a href=\"#footerForm\">Request a quote<\/a> or <\/span><a href=\"https:\/\/www.ona.ca\/contact-us\/\">contact your local ONA broker today<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Running a retail store in Ottawa? Discover the 4 essential insurance policies for retail stores to keep you and your business protected. Get real advice from ONA brokers today.<\/p>\n","protected":false},"author":4,"featured_media":17206,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-17198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=17198"}],"version-history":[{"count":48,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17198\/revisions"}],"predecessor-version":[{"id":17497,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/17198\/revisions\/17497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/17206"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=17198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=17198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=17198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}