Checking licenses and insurance

What to know

Licensing varies by state

Some states license most contractors; others license only certain trades like electricians and plumbers, and some leave it to cities or counties. Search your state's contractor licensing board or the trade board for the job.

Look up the license yourself

Use the board's online lookup with the license number on the quote. Check that the name matches, the license is active, and whether there are complaints or disciplinary actions.

General liability insurance

Covers damage to your property caused by the work. Ask for a certificate of insurance (COI) sent directly from the insurance company, and check the dates.

Workers' compensation

Covers workers injured on the job. Without it, an injured worker may look to the homeowner. Requirements vary by state and company size.

Trade certifications

Some work has its own certification requirements. For example, technicians who handle refrigerant in air conditioners must be EPA Section 608 certified.

Questions to ask the contractor

• What is your license number, and which state or local board issued it?
• Can your insurance company email me a certificate of insurance?
• Do your subcontractors carry their own insurance?

Where to check

Your state contractor licensing board

Search "[your state] contractor license lookup" and use the official .gov site.

Better Business Bureau and local reviews

Useful for patterns of complaints, not a substitute for license checks.

General information for US homeowners. Licensing, permit, contract and deposit rules vary by state and city, so check your local requirements. This isn't legal advice, and Stretch Nickels More isn't paid by any contractor, trade group or company mentioned here.