Where do I verify a contractor license?

Every state has a contractor licensing board website searchable by name or license number. Confirm the license class matches your project type — a handyman license may not cover structural work.

What insurance should a contractor carry?

General liability ($1M minimum is common) and workers' compensation if they have employees. Request a certificate naming you as additional insured for the project duration.

Does a license guarantee quality?

No — it confirms minimum legal standing and complaint history. Combine license verification with reference calls, written scope, and payment milestones tied to inspections.

What is a mechanics lien?

A legal claim subcontractors or suppliers can file if they are not paid — even if you paid the general contractor. Lien releases at each payment stage protect you.

How to Verify a Contractor License Before You Hire (2026 Checklist)

July 1, 2026 · Guide · 1 min read

Hiring an unlicensed or uninsured contractor is the fastest way to turn a remodel into a legal dispute. Four checks take 20 minutes and filter out most bad actors before you sign.

1. State License Lookup

Search your state contractor board by company name and license number. Verify status is active, classification matches your work, and note any disciplinary actions.

2. Insurance Certificates

Request current general liability and workers' comp certificates. Call the insurer to verify — forged certificates happen.

3. Bond and Lien History

Ask about bond limits on larger projects. Search county recorder for recent mechanics liens tied to the company.

4. Written Scope and Payment Schedule

Never pay more than 10–15% upfront. Tie draws to completed milestones with lien releases. See our guide on how to hire a general contractor for contract red flags.

Compare verified contractors by city or find contractors near you with Guide Scores on Top General Contractors.

Frequently Asked Questions

Where do I verify a contractor license?: Every state has a contractor licensing board website searchable by name or license number. Confirm the license class matches your project type — a handyman license may not cover structural work.
What insurance should a contractor carry?: General liability ($1M minimum is common) and workers' compensation if they have employees. Request a certificate naming you as additional insured for the project duration.
Does a license guarantee quality?: No — it confirms minimum legal standing and complaint history. Combine license verification with reference calls, written scope, and payment milestones tied to inspections.
What is a mechanics lien?: A legal claim subcontractors or suppliers can file if they are not paid — even if you paid the general contractor. Lien releases at each payment stage protect you.