- Expect to provide a COI naming the GC.
- Workers' comp proof or a valid exemption is commonly required.
- Keep your license active — GCs check.
What GCs ask subs for
- Certificate of insurance (GL)
- Workers' comp certificate or exemption
- Active license matching the trade
Workers' comp on California licenses
Source: CSLB License Master file, October 2026, 244,107 records.
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Checklist
- License active and classification correct
- COI with GC as holder
- Workers' comp or exemption documented
- Bond on file where required
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FAQ
Is general liability insurance required for contractors?
It depends on the state. Washington and Oregon set minimums as a condition of registration/licensing; many states do not, but clients and GCs commonly require a COI.
Does general liability cover my employees?
No. Employee injuries are covered by workers' compensation.
Is a license bond the same as insurance?
No. A bond protects consumers and the state; the contractor must repay the surety for claims paid.
Still unsure?
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