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Certificate of insurance tracking by state

Short answer

Subcontractor insurance rules differ by state: who must carry workers’ compensation, how indemnity and additional insured clauses are limited, and which lookups verify coverage. Pick your state to see what applies. We build state pages only where we can add real guidance.

Written by Liam · CertChase · Last reviewed October 3, 2026

States we cover

01TexasTexasCertificate of insurance tracking for Texas contractors: workers’ comp verification, indemnity rules and subcontractor insurance guides.02FloridaFloridaFlorida contractors: certificate of insurance tracking, workers’ comp exemption checks and the state rules that shape subcontractor insurance.03New YorkNew YorkNew York contractors: certificate of insurance tracking, proof of workers’ comp and disability, and Scaffold Law liability guidance.04CaliforniaCaliforniaCalifornia contractors: certificate of insurance tracking, workers’ comp exemption rules for subs, and license checks.05GeorgiaGeorgiaGeorgia contractors: certificate of insurance tracking, the statutory employer rule for subs, and the three-employee workers’ comp threshold.06North CarolinaNorth CarolinaNorth Carolina contractors: certificate of insurance tracking and the rule that makes a principal contractor liable without a sub’s certificate.

Why the rules matter

Workers’ comp isn’t the same everywhere. In Texas, most private employers can opt out. In Florida and California, a sub with no employees may hold an exemption instead of a policy.
Some states can make you pay for an uninsured sub. Florida, Georgia and North Carolina each have a statutory employer rule.
A certificate doesn’t prove everything. Licenses, endorsements and exemptions are separate checks.

We cover a state only after reading the statute or agency page ourselves. See the state-by-state verification directory.

Frequently asked questions

Which states do you cover?

California, Florida, Georgia, New York, North Carolina and Texas so far. Pick yours below. If it isn’t listed, you can ask us to add it.

Do I need a state-specific guide?

It helps. Workers’ comp rules, exemptions and who’s liable for an uninsured sub vary a lot by state.

Keep reading

01State overviewRequirements by state overviewAn overview of subcontractor insurance rules by state, with links to our guides for California, Florida, Georgia, New York, North Carolina and Texas.

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