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.
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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