In order to have a license, you must post a bond. The theory behind the bond is to insure that if you damage someone’s home, the homeowner can go to the bonding company for repair costs. The problem is that the cost of the bond has not kept up with inflation. If someone does three to four million dollars annually and you are number fifteen on the list, a 10,000.00 bond will not go far. Everyone is supposed to have liability insurance, unfortunately, there is no real check to make sure that they do not have a 100,000.00 liability policy with a 50,000.00 deductible or if once the license was purchased the insurance policy was canceled. Ask to see the policy and you can then call that insurance company to ensure that the policy is in effect.