What to Look for in a Licensed and Insured Contractor

When a contractor says they're "licensed and insured," what should you actually verify? These aren't just marketing buzzwords — they're critical protections for you as a homeowner. Here's exactly what to look for.

Understanding Contractor Licensing

Licensing requirements vary by state and trade. In Missouri, contractors in trades like electrical, plumbing, and HVAC must hold specific licenses. In Illinois, similar requirements apply with some variations. A valid license means the contractor has met minimum education, experience, and examination requirements for their trade.

How to Verify

• Missouri: Check the Division of Professional Registration website
• Illinois: Check the Illinois Department of Financial and Professional Regulation
• Ask the contractor for their license number and verify it independently

Understanding Insurance Requirements

A properly insured contractor should carry at minimum:

General Liability Insurance — Covers damage to your property caused by the contractor's work. Look for at least $1 million in coverage.

Workers' Compensation Insurance — Covers injuries to the contractor's employees while working on your property. Without this, you could be liable for medical costs.

How to Verify

• Ask for a Certificate of Insurance (COI)
• Call the insurance company directly to confirm the policy is active
• Verify the policy hasn't lapsed or been cancelled

Why Little Lantern Verifies for You

Every professional in the Little Lantern network has been verified for proper licensing, adequate insurance coverage, and a strong track record. We do the homework so you don't have to.

Ready for peace of mind? Submit a service request and connect with a verified professional.