How to Find a Licensed and Insured Contractor
Updated July 14, 2026 · 6 min read
A licensed and insured contractor meets state requirements and carries liability coverage. Always verify these before hiring.
Why License and Insurance Matter
A licensed contractor proves they meet state standards for their trade. An insured contractor protects you from financial loss if something goes wrong during the job.
Most states require a license for electrical, plumbing, and structural work. Insurance covers accidents, property damage, and injuries.
What to Look For
- Valid state license number
- General liability insurance certificate
- Workers’ compensation insurance
- No recent complaints or disciplinary actions
Or let us do the vetting for you — free, one point of contact.
How to Verify a Contractor
Start by asking for the contractor’s license number and insurance details. Then, check these with the state licensing board and our vetting standard.
HomeDependable vets all pros by confirming their license, insurance, and complaint history. We handle the verification so you don’t have to.
Red Flags to Avoid
- 1No license or insurance on display
- 2Requests full payment upfront
- 3Avoids giving a business address or phone
- 4Offers unrealistically low prices
What to Do If You’re Hired
Once hired, keep copies of all contracts, insurance certificates, and communication. If you have concerns, contact your state’s licensing board.
If you're unsure whether a contractor is legitimate, contact HomeDependable for vetted help. We connect you with verified pros.
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Frequently asked questions
- How do I check if a contractor is licensed?
- Visit your state’s official contractor licensing board website. Enter the contractor’s name or license number to confirm it’s active and valid.
- Is it safe to hire a contractor without insurance?
- No. A contractor without insurance can leave you liable for damages or injuries. Always ask for proof of general liability and workers’ comp.
- What should I do if I suspect a contractor is scamming me?
- Stop all payments and report the contractor to your state’s licensing board. Contact [HomeDependable](/request) to find a vetted pro instead.
On these figures
- State licensing board websites and HomeDependable’s vetting process.
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