California’s Great Insurance Database Of Construction Contractors

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California’s Great Insurance Database > CLSB

Californians have a great insurance database for construction contractors.  The Contractors State License Board  (CSLB) maintains a great database to see if a contractor has liability insurance.   A homeowner can immediately see if the company working on their home has liability insurance.

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I have recommended the website very often for main contractors to see if their subs have a valid certificate of insurance for liability and Workers Comp.   The subcontracting company can be searched by:

  • License number
  • Business name
  • Personnel name

This can save a main contractor or even a subcontractor that may sub out some of their work at ton of headaches.  If one of the subcontractors or their employees are injured while working for your company, you can end up paying out of pocket, especially if you do not have any Workers Comp coverage for the business owners.

The data is usually up to date with a small lag time.  However, one your company has found out who is the carrier for Workers Comp and/or liability a quick phone call can be made to the carrier that is very similar to a certificate of insurance verification.   The CSLB includes WC info for the subcontractors such as:

  • Carrier
  • Dates of Coverage
  • Policy Number
  • Workers Comp coverage history
  • Expiration Date

The expiration date is very important as a contractor can tell if the subcontractor will be insured during the time of the project.  Phoning the carriers (liability and Workers Comp) is a heavy recommendation as the CSLB may not have all of the correct info if a policy has been cancelled recently.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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