European Union — Othercontractor insurance & bonding requirements
Updated April 2026 · Source: Country regulator (Handwerkskammer DE / Qualibat FR / Albo Imprese IT)
Minimum requirements
- General liability
- $1,500,000
- Auto liability
- $1,000,000
- Workers' comp
- Required for crews
Licensed general contractors in European Union — Othercarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Varies by country. Most require Meisterpflicht (DE) or Qualibat/RGE (FR) or Albo Imprese (IT) registration.
Common questions
What insurance does a European Union — Other general contractor need?
A European Union — Other general contractor needs at minimum $1,500,000 general liability coverage plus $1,000,000 auto liability. Workers' compensation insurance is required for crews. Per Country regulator (Handwerkskammer DE / Qualibat FR / Albo Imprese IT).
How much is the surety bond for European Union — Other contractors?
European Union — Other does not require a state-level surety bond for general contractors. Varies by country. Most require Meisterpflicht (DE) or Qualibat/RGE (FR) or Albo Imprese (IT) registration.
Who is the licensing authority in European Union — Other?
Country regulator (Handwerkskammer DE / Qualibat FR / Albo Imprese IT) is the authority for European Union — Other contractor oversight. Public license lookup is available at https://www.zdh.de/.
How does AskBaily verify contractors in European Union — Other?
Country regulator (Handwerkskammer DE / Qualibat FR / Albo Imprese IT) does not expose machine-readable lookup. AskBaily ops manually verifies European Union — Other applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in European Union — Other can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Country regulator (Handwerkskammer DE / Qualibat FR / Albo Imprese IT). That's why AskBaily's policy is to match only verified pros.
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