Frequently Asked Questions

If these Frequently Asked Questions do not answer your question, please drop us a message under the “Contact Us” page and we will get right back to you. Your questions and input are valuable.

Q: I cannot locate a subcontractor in the database?

A: Do you have the correct name entered in the search? Check the name on a ACORD® Certificate of Insurance to verify how it is listed on the policy. Be sure that the when you write a check to a subcontractor that it matches the name on the Workers Compensation policy. Additionally, if you are searching for the contractor in the South Carolina database, but the home state for the contractor is Georgia, the contractor’s policy may not be extended into South Carolina. In this case, you should contact the contractor and have their policy endorsed to cover the State of South Carolina.


Q: I’ve entered the name exactly as it is on the ACORD® Certificate of Insurance but the policy can’t be located.

A: Do you have the correct name entered in the search?  Check with the contractor and ask him or her to confirm that coverage premium has been paid. Contact the insurance agent list on the certificate and confirm that coverage is extended for the state in which you are seeking coverage.


Q: I’ve entered the name exactly as it is on the ACORD® Certificate of Insurance but there are multiple names referenced in the Insurance Verification database.

A: Each businesses mailing address may be viewed to assist you in the selection of the accurate subcontractor. If you are attempting select “Smith Construction” and there are multiple “Smith Construction” companies, you have the ability to locate just the right one by matching the proper address with your subcontractor. If you are in doubt, we recommend that you review the ACORD® Certificate of Insurance for this subcontractor and match the address with the proper “Smith Construction.” Most often the address shown on this document will be able to be matched inside the database.


Q: I’ve entered the name exactly as it is on the ACORD® Certificate of Insurance but the policy can’t be located.

A: If you input your subcontractor as “Tom A. Jones Construction,” but his insurance policy was in the name of “TAJ Construction,” you may not locate this business in our database. In some states, you may be able to verify the subcontractor’s Workers Compensation by inputting their federal identification number or employer identification number, if this option is available, the option will appear as a search option.


Q: Additional Helpful Hints

1: Review the subcontractor’s Certificate of Insurance to confirm the exact name the policy was written.

2: Confirm with the subcontractor that he or she has a Workers Compensation policy.

3: The subcontractor’s policy is new and has not been updated within our software or the state database. Confirm with the insurance agency that coverage is indeed in effect. Check back periodically to confirm that the policy has been added in our database.

4: The insurance program that the subcontractor is insured with does not update the government database. This may occur if the subcontractor is insured in a self-insured trust or self-insured fund, an association program, or a professional employer organization (PEO), etc.