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in FM Essential: protecting more manufacturing companies Bringing together engineering · research · re focused on growing your business. We&rsquo · re focused on bringing you property insurance solutions tailored for your business · 000+ and counting – and certify those that meet globally accepted · FM Essential provides a flexible path to resilience through FM&rsquo · s broker partners · we’ll support your journey as you design · Privacy Policy and Terms of Use .&nbsp · 2026 Factory Mutual Insurance Company - All rights reserved.

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in FM Essential: protecting more manufacturing companies Bringing together engineering
research
re focused on growing your business. We&rsquo
re focused on bringing you property insurance solutions tailored for your business
000+ and counting – and certify those that meet globally accepted
FM Essential provides a flexible path to resilience through FM&rsquo
s broker partners
we’ll support your journey as you design
Privacy Policy and Terms of Use .&nbsp
2026 Factory Mutual Insurance Company - All rights reserved.

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Contractor and licensing FAQs

  • How do I verify a contractor is licensed?

    Start by asking the contractor directly for their license number and the issuing authority. Licensing is trade-specific: plumbers and HVAC mechanics are typically licensed through your state's plumbing and mechanical systems licensing board; electrical contractors are licensed through your state's electrical licensing authority; general construction contractors register with your state licensing board. You can look up license status online through your state's professional licensing bureau online or through your state's contractor registration database. Before any work begins, also ask for a current certificate of general liability insurance and workers' compensation coverage. Confirm the coverage limits are adequate for your project—at minimum $1 million in general liability. EdgeLocal profiles include ratings and direct contact info, but license verification must be confirmed directly with the contractor and the relevant state agency.

  • Should I get multiple quotes from contractors?

    Yes—always get at least two or three quotes before hiring any contractor for significant work. Multiple quotes let you compare price, scope, materials, and timeline, and help you spot outliers: a quote significantly lower than others may indicate missing scope or cut corners, while a much higher quote may not be justified. When collecting quotes, give each contractor a clear description of the project so you can make accurate comparisons. Ask each to break out labor and materials separately when possible, and confirm what's included: demolition, permits, materials, cleanup, and warranty. Ask for estimated start dates and project duration as well. Use EdgeLocal to quickly find several rated contractors in your area so you can start the quote process without extensive additional research.

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2026 FM Resilience Index® Create stronger supply chains, target new markets and protect your purpose More resources Insights Insights All Insights Keep pace with our insights on property-loss prevention and engineering. All Videos Our insights in video format. All Client Stories Leverage insights from our clients. Climate Insights articles focused on climate. About Us About Us Why FM? Our sole focus is commercial property insurance. Our Engineering Approach Access engineering research that can't

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