How to Verify a Contractor’s License and Insurance
Before starting any construction or remodeling project, there’s one step that should never be overlooked: verifying your contractor’s license and insurance. It’s the foundation of trust, safety, and legal protection in any building process.
At S-Line Contractors, we encourage all homeowners and property developers to confirm credentials before signing contracts. A licensed and insured contractor guarantees professionalism, compliance, and accountability—protecting both your property and your peace of mind.
Why Contractor Verification Matters
Working with an unlicensed or uninsured contractor can expose you to serious risks, including:
Unsafe workmanship or building code violations
Unpaid subcontractors or suppliers placing liens on your property
No legal protection in case of accidents or damages
Financial loss if the contractor fails to complete the job
By verifying a contractor’s license and insurance, you ensure that your California construction project meets all legal, safety, and quality standards.
Step 1: Check the Contractor’s License
In California, contractors must hold an active license from the Contractors State License Board (CSLB) to legally perform work valued at $500 or more (labor and materials combined).
To verify:
Visit the official CSLB License Check website.
Enter the contractor’s license number, business name, or owner name.
Review the license status — it should say “Active”.
Confirm the contractor’s classification (e.g., General Building, Electrical, Plumbing).
Check for disciplinary actions or complaints.
Tip: Always verify that the license matches the name on the contract. Don’t rely solely on a printed card or business logo.
Step 2: Confirm Insurance Coverage
A reputable general contractor carries both liability insurance and workers’ compensation insurance.
Liability Insurance: Covers property damage, accidents, or injuries caused by the contractor’s work.
Workers’ Compensation: Protects you from liability if a worker or subcontractor is injured on your property.
Ask your contractor to provide:
A Certificate of Insurance (COI) from their insurance provider.
The insurer’s contact information so you can confirm coverage directly.
Verification that the policy is current and covers all workers on site.
S-Line Contractors proudly provides full documentation of our insurance coverage for every project, ensuring transparency and client confidence.
Step 3: Verify Business Information
Cross-check the contractor’s business name, address, and phone number with the information on file with the CSLB.
Consistent and verifiable contact details are a good sign of a legitimate, established business.
At S-Line Contractors, our licenses, insurance, and business information are always up to date—reflecting our long-standing commitment to safety, responsibility, and professional integrity.
Step 4: Review References and Past Work
While licensing ensures compliance, quality is proven through experience. Always ask for:
A portfolio of completed projects
Client references or testimonials
Online reviews from trusted sources like Google or Yelp
A contractor with strong credentials and a positive reputation offers peace of mind and consistent quality.
Final Thoughts
Verifying a contractor’s license and insurance isn’t just due diligence—it’s protection for your investment. It ensures your project is handled by professionals who follow California’s safety codes, legal standards, and industry best practices.
At S-Line Contractors, we encourage all homeowners and businesses to make informed choices. Our team is fully licensed, insured, and dedicated to excellence on every job site.
When you hire us, you’re not just getting a builder—you’re getting a trusted partner who values safety, transparency, and lasting results.
Frequently Asked Questions (FAQ)
How do I check if a contractor is licensed in California?
Visit the CSLB website and search by the contractor’s name or license number to view their active status and classification
Why is it important to verify insurance?
Insurance protects you from financial liability if accidents, injuries, or damages occur during construction.
Can I hire an unlicensed contractor for small projects?
Only if the total cost (labor and materials) is under $500. Anything above that requires a valid California contractor’s license.
What type of insurance should a general contractor have?
A contractor should carry both general liability insurance and workers’ compensation insurance for full protection.
How do I know if a contractor’s insurance is valid?
Ask for a Certificate of Insurance and call the provider to verify the policy’s validity and coverage dates.
Let’s Build Something Together
Ready to elevate your commercial space? Contact S-Line Contractors today to discuss your project and discover how we can bring your vision to life.
