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Contractor insurance by state

Licensing, bonds, and workers comp change at the state line.

Contractor rules vary a lot by state, and getting them wrong can stop a job or blow up an audit. Pick your state for a plain-language overview of licensing, bonds, workers comp, and public works, with the official sources to verify it.

Independent, contractor-first

Not sure what your state requires?

Tell us your trade and where you work, and we will line up coverage, bonds, and workers comp with your state's rules.