Understanding the Importance of Being Licensed, Bonded, and Insured

Why "Licensed, Bonded, and Insured" Matters for Your Contractor

Ever hear a contractor say, “We’re licensed, bonded, and insured,” like it’s a secret handshake?

Clients ask us this all the time—and you know what? We love it. Asking shows that you care about protecting your investment. That makes you our kind of client.

Let’s break down what these three little words actually mean (no need for a legal dictionary).

“Licensed” Means We’re Legal (No, Seriously)

When a contractor is licensed, it means the state has given their approval. They’ve confirmed:

“Yep, they know what they’re doing—and they’re allowed to do it.”

To obtain a license, we had to:

• Pass exams (not the fun kind)

• Prove our experience

• Pay the fees (you’re welcome, California)

  
  

Troy Construction Design is licensed in CA, OR, and WA. We believe in doing things right, not using back-of-the-truck business cards.

“Bonded” Means You’re Not Taking the Fall

Bonding is like a construction prenup.

If something goes sideways—like a contractor skips town or vanishes with your deposit—the bond protects you. It ensures:

“Don’t worry. If your contractor flakes, there’s money set aside to make it right.”

We’re bonded because we stand behind our work. Plus, disappearing isn't our style—we're busy finishing jobs.

“Insured” Means You’re Not on the Hook

Now let’s discuss insurance. Because accidents happen. A ladder tips, a hammer flies, or a subcontractor steps where he shouldn’t (it’s always Steve).

If your contractor isn’t insured, guess who might be liable? That’s right—you.

At Troy Construction, we carry:

• General Liability Insurance – for oopsies, big and small

• Workers’ Comp – because we want our team to stay in one piece

  
  

If we break it, we buy it. And if someone gets hurt, you won’t have to pay a dime.

Why This All Matters (Seriously)

Hiring someone without a license, bond, or insurance is like handing your car keys to a raccoon. It might turn out fine… but do you really want to take that risk?

Troy Construction Design: No Raccoons. Just Pros.

We’ve been in the construction business for over 20 years. We build it right, cover our bases, and we’re still here after the drywall dust settles.

We don’t just recite “licensed, bonded, and insured” for the sake of it.

We live it—because it protects you and lets us sleep at night (and trust us, we’re tired).

Need a Contractor Who Gets It?

Let’s talk. Whether it’s a full build, a major renovation, or just figuring out where to start, we’ve got your back—and our paperwork in order.

If you’re interested in high-quality construction services, reach out to us today!