Insurance & Credentials
The Same Standard for Every Hero
Licenses are checked for every trade that requires one, and general liability insurance is checked and on file for every trade that requires it. Workers' Comp or valid exempt status.
Start Your Application →What You Need to Carry
These are the platform minimums. For every trade that needs a Florida license, job offers go only to Heroes whose license HALOFIX has accepted.
License/Credential Review
DBPR-regulated trades are checked against Florida records at onboarding. Appliance refrigerant sealed-system work requires EPA Section 608 certification.
General Liability Insurance (Minimum Set by Trade)
Certificate of insurance (COI) on file at onboarding showing general liability coverage at or above the HALOFIX minimum for your trade: plumbing $1M, HVAC $1M, electrical $1M, roofing $2M. For appliance repair, general liability is optional; if you carry it, the minimum is $500K. Insurer, policy number, coverage amount, and expiration date all verified. Expiration dates are monitored daily. A Hero is alerted by email and dashboard notification before a policy expires. If a policy lapses, the Hero stops receiving new job offers until a current certificate is uploaded and reviewed. The account is not suspended and work already assigned to that Hero is unaffected. This dispatch hold does not apply to appliance repair.
Optional Report Review
HALOFIX does not order background checks or ask you to obtain one. You may voluntarily provide a consumer report or state record you already hold for manual review. Providing a report is not required for approval.
Workers' Compensation (Required or Exempt)
Active Florida Workers' Comp coverage required at onboarding - OR a valid Construction Industry Exempt status. Multi-employee Hero companies must provide coverage proof for crew.
5-Stage Vetting Pipeline
- 1
Application Review
Identity, contact, service category, and credential requirements.
- 2
Credential Verification
DBPR lookup for regulated trades; EPA 608 review for refrigerant work.
- 3
Insurance Verification
Insurer, policy number, coverage against the minimum for your trade, expiration.
- 4
Eligibility Review
Identity, credentials, insurance, and submitted application details are reviewed together.
- 5
Final Approval + Activation
HALOFIX reviews every application by hand before you receive offers.
Optional Consumer Report Notice
HALOFIX does not obtain or order a consumer report about you. If you voluntarily provide a report you already hold, HALOFIX may review it. If information in that report could affect platform eligibility, you receive the required notice, a copy of the report, and an opportunity to dispute inaccurate information before a final decision.
Related Topics
Hero Earnings →
Commission tiers, FTC-required disclosures, no-guarantee disclaimer.
Hero Payouts →
Stripe Connect direct deposit. The first live payout is typically scheduled 7-14 days after the first successful payment and may take longer depending on Stripe review; later payouts follow the Hero's Stripe payout schedule and bank processing.
Safety First →
How Residents review your profile and credential status before arrival.
Reviewed Heroes →
The full vetting pipeline every Hero passes.
Have Your Credentials & Insurance Ready?
Submit your application when ready. We review required credentials and insurance before activation.
Start Your Application →