Key takeaways
- A GL certificate naming the GC.
- Workers' comp — or a valid exemption where your state allows one.
- An active license for your trade (and a bond where required).
The three documents
- Certificate of insurance for general liability.
- Workers' comp certificate or exemption (FL officers, GA WC-10, CA exempt status).
- License that's active and covers your trade.
State rules that apply
| State | When workers' comp is required | Source |
|---|---|---|
| California | All employers (Labor Code 3700); C-39 roofers even with no employees | DIR / CSLB |
| Texas | Most private employers may opt out as non-subscribers (notice rules apply) | TDI-DWC |
| Florida | Construction: 1 or more employees (owners count; officers may exempt) | FL CFO |
| Georgia | 3 or more regular employees | SBWC |
| New York | Virtually all employers | NY WCB |
| Washington | Through L&I state fund (monopolistic) | WA L&I |
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Paperwork checklist
Subcontractor paperwork checklist
- COI with the GC as certificate holder
- Workers' comp certificate or exemption
- License number and expiry
- Bond (WA $15,000 specialty, CA $25,000)
Compare contractor insurance quotes
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