Verify contractor licenses before underwriting
Real-time API verification during the quote process. Stop insuring unlicensed contractors before it costs you.
The Problem
Manual Verification Delays Policy Issuance
Underwriters spend hours manually checking license registers. Quote-to-bind times suffer while contractors wait.
Risk of Insuring Unlicensed Contractors
Contractors submit outdated or forged documents. If a claim arises from unlicensed work, the policy may be voided or disputed.
The Cost of Getting It Wrong
- Policy disputes and voided claims
- Regulatory penalties and fines
- Reputation damage from bad claims
- Higher loss ratios impact profitability
The Solution
Real-time API verification during the quote process
Instant Underwriting Integration
Add license verification to your quote flow. <100ms API response means no delays for applicants.
- Verify by license number or ABN
- Check license class matches trade
- Confirm financial category
Ongoing Monitoring
Don't just verify at inception. Monitor licenses throughout the policy period.
- Weekly data updates from registers
- Webhook alerts for status changes
- Bulk re-verification endpoints
Data Points Available
{
"status": "active",
"licence_number": "54898",
"licensee_name": "CRAIG MAXWELL NIXON",
"abn": "52 286 440 148",
"licence_type": "Individual",
"financial_category": "Self Certification - Trade",
"licence_classes": [
{ "grade": "Trade Contractor Licence", "class": "Plumbing and Drainage" },
{ "grade": "Trade Contractor Licence", "class": "Gasfitting" }
],
"data_date": "2026-01-27",
"state": "QLD"
}Financial category indicates the maximum contract value the contractor is authorized for, useful for risk assessment.
Benefits for Insurers
Faster Underwriting
Reduce quote-to-bind times from days to minutes with instant verification.
Reduced Risk
Never accidentally insure an unlicensed contractor. Verify before you bind.
Automated Compliance
Maintain audit trails and meet regulatory requirements automatically.
Compliance & Audit Trail
Every verification is logged with timestamp, providing a clear audit trail for:
- Regulatory compliance documentation
- Claims investigation support
- Underwriting decision justification
- Internal audit requirements
Data is sourced directly from official state registers (QBCC, NSW Fair Trading, VBA), ensuring you're verifying against the authoritative government data.
Ready to Get Started?
Start verifying contractor licenses in minutes. Free tier includes 100 API requests per month.