How to Look Up a Contractor's License
Most states maintain a publicly searchable contractor license database through the state licensing board. Search by license number or business name. Verify that the license is current, the license type covers the scope of work (general contractor versus specialty trade like electrical or plumbing), and there are no disciplinary actions or complaints on record. Ask the contractor for their license number before hiring — a legitimate contractor should provide it immediately without hesitation.
What to Check Beyond the License
A valid license does not guarantee quality or insurance. Also ask for a certificate of insurance showing general liability coverage of at least $1 million per occurrence and workers compensation insurance. Ask for the name of the insurance carrier and call to verify the policy is active. An uninsured contractor creates personal liability for you if a worker is injured on your property. Ask if any subcontractors are licensed and insured as well, since the general contractor does not always cover subcontractor liability.
What to Do if a Contractor Cannot Provide a License Number
If a contractor claims to not need a license for the type of work or says they work under someone else's license, proceed with extreme caution. In most states, licensed contractors perform or supervise all trade work. A contractor who cannot produce a license number, whose license is expired, or whose license type does not match the scope of work should not be hired for permit-required projects. There is too much liability and too many competing licensed contractors available for quality remodel work.
Frequently Asked Questions
Where can I verify a contractor's license?
Search your state's contractor licensing board website. Most states have a publicly searchable database. You can typically search by license number, business name, or owner name. The search will show current license status, expiration date, license type, and any disciplinary history.
What happens if I hire an unlicensed contractor?
Hiring an unlicensed contractor creates risk on several fronts: you may be liable if a worker is injured on your property; unpermitted work done by an unlicensed contractor can be required to be removed; insurance claims related to the work may be denied; and you have fewer legal protections if a dispute arises.
Does a general contractor's license cover plumbing and electrical work?
No. General contractor licenses typically do not cover plumbing and electrical trade work, which require separate specialty licenses in most states. A general contractor should use licensed plumbers and electricians as subcontractors. Ask specifically whether any plumbing or electrical subcontractors hold their own licenses.