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.

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Where do you work?

Eleven western states. Each page is general information, not legal advice, and links the official board or agency to confirm current rules.

Oregon

CCB endorsements, bond by type, $30k public works bond.

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California

CSLB license, $1,000 threshold, $25k bond, DIR public works.

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Washington

L&I registration and the monopolistic state workers comp fund.

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Idaho

Registration over $2,000, liability required, separate public works license.

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Utah

DOPL license, $3,000 threshold, coverage waivers.

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Nevada

NSCB license limit, bond scaled to limit, sub deemed-employee rule.

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Arizona

ROC license, bond by class and volume, Recovery Fund.

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Montana

2026 license change; no out-of-state workers comp in construction.

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Colorado

Local GC licensing, state trades, strict construction workers comp.

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Texas

Local GC licensing, largely optional workers comp, statutory public works bonds.

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New Mexico

Statewide CID license, $10k bond, licensure triggers workers comp.

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Last verified June 2026. Licensing, bond, and workers comp rules change and vary by project and locality. Always confirm current requirements with the state board or agency before you bid, hire, or buy coverage.

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