Published by ALKEME Insurance Services · Licensed Insurance BrokerageLast updated April 2026
Free Tool
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 at a Glance
| State | Min. Liability | WC Required | Key Notes |
|---|---|---|---|
| $750,000 (federal) | Yes | State licensing required for general contractors on projects over $50,000. Home ... | |
| $750,000 (federal) | Yes | State contractor licensing required. Extreme cold weather creates unique foundat... | |
| $750,000 (federal) | Yes | Registrar of Contractors licenses all construction trades. Recovery fund protect... | |
| $750,000 (federal) | Yes | Contractor licensing required for projects over $20,000. Tornado and severe stor... | |
| $750,000 (federal) | Yes | Strict contractor licensing through CSLB with 44 trade classifications. Seismic ... | |
| $750,000 (federal) | Yes | No statewide contractor license — licensing handled by cities and counties. Cons... | |
| $750,000 (federal) | Yes | Home improvement contractor registration required. New home construction warrant... | |
| $750,000 (federal) | Yes | No statewide contractor licensing but business license required. Coastal constru... | |
| $750,000 (federal) | Yes | State contractor licensing with certified and registered categories. Strict hurr... | |
| $750,000 (federal) | Yes | Residential and general contractor licensing required. Right to Repair Act requi... | |
| $750,000 (federal) | Yes | Strict contractor licensing through DCCA. Highest construction costs in the nati... | |
| $750,000 (federal) | Yes | Public works contractor license required for state projects. Rapidly growing res... | |
| $750,000 (federal) | Yes | No statewide general contractor license — licensing through cities and counties.... | |
| $750,000 (federal) | Yes | No statewide general contractor license for most work. Residential builders and ... | |
| $750,000 (federal) | Yes | No statewide contractor license requirement. Severe weather including tornadoes ... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Tornado alley creates significant storm... | |
| $750,000 (federal) | Yes | General contractor licensing not required statewide but some cities require it. ... | |
| $750,000 (federal) | Yes | State contractor licensing required for projects over $50,000. One of the most l... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Higher state auto minimums than most st... | |
| $750,000 (federal) | Yes | Home improvement contractor licensing required through MHIC. Contributory neglig... | |
| $750,000 (federal) | Yes | Construction supervisor license required for most building projects. Strict buil... | |
| $750,000 (federal) | Yes | Residential builders and maintenance/alteration contractors must be licensed. Hi... | |
| $750,000 (federal) | Yes | Residential building contractor and remodeler licensing required. Contractor Rec... | |
| $750,000 (federal) | Yes | State contractor licensing required for projects over $50,000. Hurricane exposur... | |
| $750,000 (federal) | Yes | No statewide general contractor license — local jurisdictions handle licensing. ... | |
| $750,000 (federal) | Yes | Construction contractor registration required. Severe winter conditions limit co... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Severe storm and tornado exposure creat... | |
| $750,000 (federal) | Yes | State contractor licensing through NSCB with financial and experience requiremen... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Only state with no personal auto insura... | |
| $750,000 (federal) | Yes | Home improvement contractor registration required. New Home Warranty Program man... | |
| $750,000 (federal) | Yes | State contractor licensing through Construction Industries Division. Unique adob... | |
| $750,000 (federal) | Yes | Strict licensing in NYC — DOB licenses required for general contractors and many... | |
| $750,000 (federal) | Yes | State licensing for general contractors on projects over $30,000. Contributory n... | |
| $750,000 (federal) | Yes (State Fund) | Monopolistic workers comp state — must use Workforce Safety and Insurance (WSI).... | |
| $750,000 (federal) | Yes (State Fund) | Monopolistic workers comp — must use Ohio BWC. HVAC, plumbing, and electrical tr... | |
| $750,000 (federal) | Yes | Construction Industries Board licenses contractors for commercial work. Tornado ... | |
| $750,000 (federal) | Yes | CCB licensing required for all construction contractors. Strong construction def... | |
| $750,000 (federal) | Yes | Home improvement contractor registration required. No statewide general contract... | |
| $750,000 (federal) | Yes | Contractor registration required. Smallest state but active construction market.... | |
| $750,000 (federal) | Yes | State contractor licensing with tiered financial limits. Hurricane building code... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Sioux Falls is the primary construction... | |
| $750,000 (federal) | Yes | State contractor licensing required with monetary limits and classifications. Na... | |
| $750,000 (federal) | Voluntary | No state contractor license but local requirements vary widely. Workers comp is ... | |
| $750,000 (federal) | Yes | State contractor licensing through Division of Occupational and Professional Lic... | |
| $750,000 (federal) | Yes | No statewide general contractor license. Severe winter conditions limit construc... | |
| $750,000 (federal) | Yes | State contractor licensing with Class A, B, and C categories based on project va... | |
| $750,000 (federal) | Yes (State Fund) | Monopolistic workers comp — must use Washington L&I. Contractor registration req... | |
| $750,000 (federal) | Yes | Contractor licensing required for projects over $25,000. Mountainous terrain cre... | |
| $750,000 (federal) | Yes | Dwelling contractor certification required for residential work. No statewide co... | |
| $750,000 (federal) | Yes (State Fund) | Monopolistic workers comp state. No statewide contractor license. Extreme wind e... |
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