How do I verify a contractor's licence and insurance?

Check the licence number against your state or local licensing authority's own records, and request the certificate of insurance directly from the insurer or broker.

Last reviewed 2026-07-15

Documents provided by the contractor can be outdated or altered. Independent verification takes minutes and is the single most protective step available to a homeowner.

HandyHomeSavings does not verify, licence or endorse contractors. Any professional referral on this site is a starting point for your own checks, not a vetted recommendation.

What to check first

  • Licence number status and expiry with the issuing authority
  • General liability and workers' compensation confirmed by the insurer
  • Business name and address matching the licence record
  • Recent references for comparable work
  • Written scope, permit responsibility and change-order terms

When to call a professional

  • A dispute has arisen and you need legal or consumer-protection advice