How to Verify Contractor Insurance in 2026

Last Updated: October 9, 2026

How to Check a Contractor's Certificate of Insurance

Learning how to verify contractor insurance 2026 starts with one document: the certificate of insurance. This one-page form shows what a contractor's policy covers and when it expires.

Here is how to check a contractor's certificate of insurance:

1. Ask for the certificate before any work starts
2. Read the policy number and effective dates
3. Confirm the named insured matches the company you hired
4. Check general liability and workers' compensation limits
5. Call the insurance agent to confirm the policy is active
6. Save a copy and calendar the expiration date

A common mistake is trusting a photocopy from years ago. Policies lapse quietly. Always confirm active coverage directly with the insurance company.

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Contractor Insurance Verification Checklist

Use this checklist to verify contractor insurance before signing anything:

• Certificate of insurance received
• Contractor's name matches the named insured
• Policy number and expiration date recorded
• General liability coverage confirmed
• Workers' compensation coverage confirmed
• Insurance agent contacted for confirmation
• Additional insured status requested for your property
• Subcontractor coverage explained in writing

Conclusion

Verifying insurance takes twenty minutes and protects you from paying for someone else's mistake. King's Choice Solutions is licensed and insured, with direct communication and transparent pricing on every job. Call for a free estimate and see the difference proof-first hiring makes.