Published by ALKEME Insurance Services · Licensed Insurance BrokerageLast updated April 2026
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State Contractor Insurance Requirements
Select a state to see minimum insurance requirements, workers compensation rules, contractor licensing, and important state-specific construction regulations.
All 50 States + DC at a Glance
| State | Workers' Comp | Licensing Authority | Key Notes |
|---|---|---|---|
| Required | Alabama Licensing Board for General Contractors | State licensing required for general contractors on projects over $50,000. Home ... | |
| Required | Alaska Dept of Commerce - Contractor Licensing | State contractor licensing required. Extreme cold weather creates unique foundat... | |
| Required | Arizona Registrar of Contractors | Registrar of Contractors licenses all construction trades. Recovery fund protect... | |
| Required | Arkansas Contractors Licensing Board | Contractor licensing required for projects over $20,000. Tornado and severe stor... | |
| Required | CSLB - Contractors State License Board | Strict contractor licensing through CSLB with 44 trade classifications. Seismic ... | |
| Required | Local jurisdictions (no state license) | No statewide contractor license. Licensing handled by cities and counties. Const... | |
| Required | CT Dept of Consumer Protection | Home improvement contractor registration required. New home construction warrant... | |
| Required | Delaware Division of Revenue | No statewide contractor licensing but business license required. Coastal constru... | |
| Required | DCRA - Department of Consumer and Regulatory Affairs | General contractors must register with DCRA and hold a Basic Business License. T... | |
| Required | FL Dept of Business & Professional Regulation | State contractor licensing with certified and registered categories. Strict hurr... | |
| Required | GA Secretary of State - Contractor Division | Residential and general contractor licensing required. Right to Repair Act requi... | |
| Required | Hawaii DCCA - Contractors License Board | Strict contractor licensing through DCCA. Highest construction costs in the nati... | |
| Required | Idaho Contractors Board | Public works contractor license required for state projects. Rapidly growing res... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Licensing through cities and counties. ... | |
| Required | Indiana Professional Licensing Agency | No statewide general contractor license for most work. Residential builders and ... | |
| Required | Iowa Workforce Development - Division of Labor Services | No statewide contractor license requirement. Severe weather including tornadoes ... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Tornado alley creates significant storm... | |
| Required | Kentucky Dept of Housing - Contractor Licensing | General contractor licensing not required statewide but some cities require it. ... | |
| Required | Louisiana State Licensing Board for Contractors | State contractor licensing required for projects over $50,000. One of the most l... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Higher state auto minimums than most st... | |
| Required | Maryland Home Improvement Commission | Home improvement contractor licensing required through MHIC. Contributory neglig... | |
| Required | MA Office of Consumer Affairs - CSL | Construction supervisor license required for most building projects. Strict buil... | |
| Required | MI LARA - Builders License Board | Residential builders and maintenance/alteration contractors must be licensed. No... | |
| Required | MN Dept of Labor - Contractor Recovery Fund | Residential building contractor and remodeler licensing required. Contractor Rec... | |
| Required | Mississippi State Board of Contractors | State contractor licensing required for projects over $50,000. Hurricane exposur... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Local jurisdictions handle licensing. K... | |
| Required | Montana Dept of Labor - Construction Licensing | Construction contractor registration required. Severe winter conditions limit co... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Severe storm and tornado exposure creat... | |
| Required | Nevada State Contractors Board | State contractor licensing through NSCB with financial and experience requiremen... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Only state with no personal auto insura... | |
| Required | NJ Division of Consumer Affairs - Contractor Registration | Home improvement contractor registration required. New Home Warranty Program man... | |
| Required | NM Construction Industries Division | State contractor licensing through Construction Industries Division. Unique adob... | |
| Required | NYC Dept of Buildings / Local jurisdictions | Strict licensing in NYC. DOB licenses required for general contractors and many ... | |
| Required | NC Licensing Board for General Contractors | State licensing for general contractors on projects over $40,000. Contributory n... | |
| Required (State Fund) | ND Secretary of State - Contractor Registration | Monopolistic workers comp state. Must use Workforce Safety and Insurance (WSI). ... | |
| Required (State Fund) | Ohio Construction Industry Licensing Board | Monopolistic workers comp. Must use Ohio BWC. HVAC, plumbing, and electrical tra... | |
| Required | Oklahoma Construction Industries Board | Construction Industries Board licenses contractors for commercial work. Tornado ... | |
| Required | Oregon Construction Contractors Board | CCB licensing required for all construction contractors. Strong construction def... | |
| Required | PA Attorney General - Home Improvement Registration | Home improvement contractor registration required. No statewide general contract... | |
| Required | RI Contractors Registration Board | Contractor registration required. Smallest state but active construction market.... | |
| Required | SC LLR - Contractors Licensing Board | State contractor licensing with tiered financial limits. Hurricane building code... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Sioux Falls is the primary construction... | |
| Required | TN Board for Licensing Contractors | State contractor licensing required with monetary limits and classifications. Na... | |
| Voluntary | Local jurisdictions (no state license) | No state contractor license but local requirements vary widely. Workers comp is ... | |
| Required | Utah DOPL - Contractor Licensing | State contractor licensing through Division of Occupational and Professional Lic... | |
| Required | Local jurisdictions (no state license) | No statewide general contractor license. Severe winter conditions limit construc... | |
| Required | Virginia DPOR - Contractor Board | State contractor licensing with Class A, B, and C categories based on project va... | |
| Required (State Fund) | WA L&I - Contractor Registration | Monopolistic workers comp. Must use Washington L&I. Contractor registration requ... | |
| Required | WV Division of Labor - Contractor Licensing | Contractor licensing required for projects over $25,000. Mountainous terrain cre... | |
| Required | WI DSPS - Dwelling Contractor Certification | Dwelling contractor certification required for residential work. No statewide co... | |
| Required (State Fund) | Local jurisdictions (no state license) | Monopolistic workers comp state. No statewide contractor license. Extreme wind e... |
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