3 ms·

You don't necessarily need licensing for liability issues, just a requirement for contractors to carry public indemnity insurance and only work within its terms

• belorn 7y ago
  It is not necessary but the situation that the government sits at is tricky. Intervention like sending out fire trucks or giving health care is usually paid upfront by the government, as is social support aid in the case the homeowner become homeless. If neither the contractor nor the homeowner can pay it will be up to the government to foot the bill. In theory, if insurance companies would give out public indemnity insurance to unlicensed contractors then it would lower the risk for the government, assuming the coverage is broad enough. It also assumes that the cost of getting such public indemnity insurance is lower than getting a license, or contractors would just get the license instead.