"Licensed and insured" gets printed on every painter's van in New London, but the two words cover different risks. A license (where Connecticut or local rules require one for the trade work involved, such as lead-safe renovation on pre-1978 homes) means the contractor has met a baseline of registration and, in lead cases, EPA RRP certification. Insurance is separate: general liability coverage pays if a painter's ladder goes through your window or a drop cloth doesn't stop a spill on your floors, and workers' comp covers an injury on your property so you're not the one holding the bill. A painter can have one without the other, which is exactly why buyers ask for proof of both.
Five painting businesses in New London carry this distinction in our directory. Before hiring any of them, ask for a certificate of insurance naming you as the job address, not just a generic policy number, and confirm the license or lead-safe certification covers the specific work (exterior scraping and repainting on an older home is treated differently than a fresh-drywall interior job). A legitimate contractor will hand this over without hesitation.
Our scoring for this category weighs verified license and insurance status alongside review volume, rating consistency, and responsiveness, so a company that merely claims coverage doesn't outrank one that documents it. For the full breakdown of who comes out on top and why, see the ranked guide to New London painters. If you want to understand exactly how we calculate these scores, our methodology page walks through the weighting and data sources in detail.