Start Your 624190 Other Individual and Family Services in Toronto
This page explains how to start an Other Individual and Family Services business in Toronto (NAICS 624190). You’ll get a practical, step-by-step overview of the 13 requirements you’ll likely need to meet, plus the permits you may need, typical startup costs, and a realistic timeline from planning to your first client. Whether you’re offering family support, counseling, or community outreach, this guide helps you map the path.
What you’ll learn: a clear checklist of registrations and licenses, how to handle permits and zoning, essential insurance and privacy considerations, sample intake processes, and hiring basics. We’ll break down the 13 requirements, give ballpark costs, and outline a practical timeline so you can move forward with confidence.
Why Toronto? The city’s diverse communities and strong demand for trusted personal and family services create a solid foundation for new ventures. With local resources, networks, and a supportive business climate, you can grow thoughtfully while making a real impact.
Requirements Overview
The most critical requirement for operating a business in Toronto is Occupational Health and Safety Act Compliance. This is a legal requirement that protects staff and clients by setting rules for safe workplaces. You cannot legally run the organization without meeting OHSA standards, including training, safe procedures, and reporting of workplace injuries. This requirement is non-negotiable.
Beyond OHSA, you’ll need the right licenses and registrations. This includes a Social Service Agency License where applicable, a Business Licence from your municipality, and, if you plan to operate as a charity, Registered Charity Status. PHIPA compliance applies when handling personal health information. Vulnerable Sector Screening and Group Home and Supportive Housing Regulations are essential for services that host clients in homes. Also ensure Employment Standards compliance and WSIB coverage for workers.
On the business and tax side, handle registrations and numbers. Open an Ontario Business Name Registration with ServiceOntario if you’ll use a name beyond your legal name, and obtain a Business Number from the CRA to manage taxes, payroll, and banking. If revenue meets the threshold, apply for GST/HST Registration and set up Payroll Deductions Registration for employee withholdings. WSIB coverage should be in place to protect workers, and consider Registered Charity status if you’re pursuing charitable status.
Next steps: verify which licenses apply to your services, reach out to ServiceOntario and the City of Toronto for permits, and map out a simple compliance calendar. Gather the needed documents, and don’t hesitate to ask for guidance from government resources or a regulatory consultant. You’re taking solid steps toward a compliant, well-run organization—keep going.
Detailed Requirements
Here are the specific requirements for starting a other individual and family services in Toronto:
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Social Service Agency License RequiredSocial service agencies providing childcare, elder care, disability services, or counseling must be licensed and comply with service standards and accountability requirements. Various Acts govern social services. CYFSA for children's services. MCCSS for developmental services. ONCA incorporation for non-profits. Transfer Payment Accountability Directive (TPAD). Annual reporting. Quality assurance. Background checks mandatory. Indigenous services may have different pathways. Contact MCCSS.
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Business Number (BN) Registration RequiredA 9-digit Business Number is required for most businesses operating in Canada. It is used to interact with the Canada Revenue Agency and other federal programs. Required for GST/HST, payroll, corporation income tax, and import/export accounts. Register FREE online through Business Registration Online (BRO) at canada.ca. Takes 15-30 minutes. As of November 3, 2025, online registration is MANDATORY for new BNs - phone registration no longer available. You'll need: business name, address, owner SIN, business type, and start date. BN (9-digit number) issued INSTANTLY online. Available 21 hours/day, 7 days/week (closed 3-6am ET for maintenance).
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Business Licence RequiredGeneral business licence required to operate a business in City of Toronto. Apply to City of Toronto for Business Licence: 1. Determine business category 2. Complete business licence application 3. Submit required documents (ID, lease, zoning confirmation) 4. Pay application and annual fees 5. Await approval and receive licence Contact City of Toronto Business Licensing for specific requirements. Home-based businesses may have different requirements. Annual renewal required.
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Registered Charity Status (Social Services) RequiredMany social service organizations operate as registered charities to receive tax-exempt status and issue donation receipts. CRA registration and compliance required. CRA registers charities federally (T2050 application). Ontario: Extra-Provincial Corporations Act for foreign charities. Ontario Not-for-Profit Corporations Act (ONCA) for provincial incorporation. Charitable purpose required. Annual T3010 filing. Disbursement quota rules. ONCA transition completed Oct 2024. Contact CRA Charities: 1-800-267-2384.
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Ontario Business Name Registration (ServiceOntario) RequiredBusinesses in Ontario operating under a name other than the owner's legal name must register with Ontario Business Registry through ServiceOntario. This includes sole proprietorships, partnerships, and business names for corporations. Registration provides legal protection for the business name within Ontario and is required for banking, licensing, and business operations. Registration can be completed online through Ontario Business Registry. Business name registrations must be renewed every 5 years. Register business name with Ontario Business Registry: 1. Search Ontario Business Registry (free) for name availability 2. Consider NUANS name report ($25) for thorough search 3. Register online through Ontario Business Registry 4. Pay registration fee ($60 for sole proprietorship/partnership) 5. Receive 9-digit Ontario Business Identification Number (BIN) 6. Registration valid for 5 years 7. Renew before expiry
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Occupational Health and Safety Act Compliance RequiredAll Ontario workplaces must comply with the Occupational Health and Safety Act to ensure safe working conditions. Requirements include workplace safety policies, training, hazard assessments, and incident reporting. No registration - compliance law. Must post OHSA in workplace. JHSC required for 20+ workers (or 6+ in designated industries). Nov 2025: New administrative penalty scheme, defibrillator reimbursement. Telework now covered. Fines: up to $500K individuals, $1.5M corporations. 27 regulations under OHSA. Must conduct safety audits, maintain training records. Contact: 1-877-202-0008.
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Vulnerable Sector Screening ConditionalRequired if working with vulnerable persons. All staff and volunteers working with children, seniors, or vulnerable populations must undergo police vulnerable sector checks (VSC) for criminal records. Apply through local police service. Required for work/volunteering with vulnerable persons (children, seniors, those requiring care). Police Record Checks Reform Act, 2015 governs process. Need: agency letter describing position. Includes criminal convictions + findings of not criminally responsible. Jan 2025: Broad Record Check via LE213 pathway. Only valid for specific employer/position. Contact local police.
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Group Home and Supportive Housing Regulations ConditionalRequired for group home operations. Group homes and supportive housing facilities must comply with zoning, safety, staffing ratios, care standards, and inspection requirements for residential care settings. Various Acts govern based on population served. Children's residences: CYFSA licensing. Developmental services: MCCSS approval. RHRA for retirement homes (65+). Building Code and Fire Code compliance. Municipal zoning as single family (Human Rights Code). Staff training requirements. Contact MCCSS or specific regulatory body.
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Employment Standards Compliance ConditionalApplies if you have employees. Covers minimum wage, hours of work, vacation pay, public holidays, termination notice, etc. All Ontario employers must comply with the Employment Standards Act, covering minimum wage, hours of work, overtime, vacation, termination, severance, and other workplace rights. No registration required - compliance-based requirement. Follow Employment Standards Act (ESA) for minimum wage, hours of work, overtime, vacation, leaves, and termination. Post ESA poster in workplace (free download from ontario.ca). Keep employment records for 3 years. NEW for 2025: Employers with 25+ staff must provide written employment info to new hires by July 1, 2025. Job postings must include salary ranges by Jan 1, 2026. Call 1-800-531-5551 for help.
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GST/HST Registration ConditionalRequired if annual taxable revenue exceeds $30,000 (small supplier threshold). Taxi/ride-share drivers must register regardless of revenue. Businesses with gross revenues over $30,000 in any single quarter or over four consecutive quarters must register for, collect, and remit GST/HST. Small suppliers (under $30,000) may register voluntarily. Register FREE online through Business Registration Online (BRO) when your revenue exceeds $30,000 in any 4 consecutive quarters (small supplier threshold). Takes 15-30 minutes. You MUST register within 29 days of exceeding threshold and start charging GST/HST immediately on the sale that made you exceed it. Need your BN (or get one simultaneously). As of Nov 3, 2025, online registration is mandatory. Voluntary registration available anytime for input tax credits.
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Payroll Deductions Registration ConditionalRequired if you pay salaries, wages, or other remuneration to employees. Must register before first pay period. Required if you have employees. You must withhold Canada Pension Plan (CPP), Employment Insurance (EI), and income tax from employee wages and remit to CRA. Register FREE online through Business Registration Online (BRO) when you hire your first employee. Takes 15-20 minutes. You'll need your Business Number (BN) or can get one simultaneously. Payroll account (RP) added to your BN instantly. Register BEFORE your first pay date. Required to deduct CPP, EI, and income tax from employee wages. For 2025: CPP rate 5.95%, EI employee rate $1.66/$100 insurable earnings.
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WSIB Registration and Coverage ConditionalRequired within 10 days of hiring first employee, including family members and subcontractors. Workplace Safety and Insurance Board (WSIB) registration is mandatory for most Ontario businesses with employees. Provides compensation and support for workplace injuries and illnesses. Sole proprietors and partners can apply for optional coverage. Register FREE online at wsib.ca in 15-20 minutes. MANDATORY for most Ontario employers within 10 calendar days of hiring first worker. You'll need: CRA Business Number, payroll estimate, business activity description, owner/director info. Account number issued INSTANTLY online. Construction industry has expanded compulsory coverage. Premium rates vary by industry classification. Must display WSIB safety poster in workplace.
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PHIPA Compliance (Extended Healthcare) ConditionalRequired for specific regulated activities. Healthcare providers, social services, and care facilities must comply with Personal Health Information Protection Act for privacy, consent, security, and disclosure of health information. PHIPA (Personal Health Information Protection Act) applies to health information custodians. First penalties Oct 2025 ($5K-7.5K). New de-identification guidelines. Privacy impact assessments for new initiatives. Consent management. Breach notification to IPC. Retention schedules. Contact IPC: 416-326-3333 or Ontario Health.
Funding & Grants
Available funding programs that may apply to your other individual and family services:
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Two streams: Community-Based (up to $25,000 for local projects led by and for seniors) and Pan-Canadian ($1M–$5M for national collective impact initiatives). The most recent Community-Based intake closed September 17, 2025; Pan-Canadian intake closed November 2023. Next call dates have not been announced as of early 2026. The program runs …
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Provided contributions to settlement, employment, and community organizations delivering programs addressing employment barriers for racialized newcomer women, including work placements, mentorships, job counselling, and support for gender- and race-based discrimination. Program renewal ended in 2025; no new open call as of early 2026. Over 2,200 racialized newcomer women were served …
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