What Is a Contractor Trust Score?
When you need to evaluate a contractor, sifting through government databases and regulatory filings is time-consuming and confusing. Verdica's construction trust score solves this problem by aggregating public compliance data into a single, easy-to-understand rating.
Every contractor listed on Verdica receives a score between 300 and 850, along with a letter grade from A through F. The score is calculated using verified data from OSHA inspection and citation records, state contractor license databases, bonding and insurance filings, and workers' compensation claims data.
How the Score Is Calculated
The Verdica construction trust score is not a single metric — it's a composite of multiple sub-scores, each measuring a different dimension of trustworthiness and regulatory compliance.
The Sub-Score Breakdown
- Safety Record — This sub-score evaluates the current status and validity of required licenses and registrations. It pulls directly from OSHA records and is updated as new data becomes available.
- License Validity — This sub-score evaluates historical patterns of violations, complaints, and regulatory actions. It pulls directly from OSHA records and is updated as new data becomes available.
- Insurance & Bonding — This sub-score evaluates quantitative performance metrics drawn from official government data. It pulls directly from OSHA records and is updated as new data becomes available.
- Complaint History — This sub-score evaluates financial stability indicators and responsibility measures. It pulls directly from OSHA records and is updated as new data becomes available.
Each sub-score is weighted based on its relative importance to overall trustworthiness. Safety Record carries the heaviest weight because it represents the most fundamental requirement — without valid credentials, nothing else matters.
The Grading Scale
Verdica converts the numerical score into a letter grade for quick reference:
- A (750-850): Excellent compliance record with minimal or no issues
- B (650-749): Good standing with minor concerns that don't indicate systemic problems
- C (550-649): Average — some compliance gaps exist and warrant closer review
- D (450-549): Below average with notable compliance concerns requiring investigation
- F (300-449): Significant compliance failures or critical red flags present
The grade is designed to give you an at-a-glance assessment. However, we always recommend reviewing the individual sub-scores and the underlying data to understand the full picture.
Where Does the Data Come From?
Transparency is core to how Verdica operates. Every data point in the construction trust score traces back to a verifiable public source. Our primary data comes from OSHA inspection and citation records, state contractor license databases, bonding and insurance filings, and workers' compensation claims data.
The Occupational Safety and Health Administration maintains these records as part of its regulatory mandate. Verdica pulls this data through official APIs and public record feeds, normalizes it across jurisdictions, and applies our scoring algorithm. We refresh data regularly — most records are updated within 24-48 hours of changes appearing in the source databases.
Importantly, Verdica does not accept payment from contractors to influence scores. The algorithm is applied uniformly. A contractor cannot pay to improve their rating or suppress negative information.
Why Trust Scores Matter for Contractors
For a property owner or general contractor vetting subcontractors, the trust score serves several practical purposes:
Pre-screening efficiency. Instead of manually checking OSHA databases, state records, and complaint portals, you get a consolidated view in seconds. This is especially valuable when comparing multiple contractors side by side.
Risk identification. The sub-score breakdown highlights specific areas of concern. A contractor might have a strong overall score but a weak License Validity sub-score, which could indicate a pattern worth investigating before committing.
Ongoing monitoring. Scores change as new data enters the system. If a contractor you work with receives a new violation or lets a license lapse, their score will reflect it. This makes Verdica useful not just for initial due diligence but for continuous vendor management.
Documentation. Every score comes with a detailed breakdown you can reference in procurement decisions, vendor reviews, or compliance audits. Having a standardized, data-backed assessment adds rigor to your selection process.
How to Use the Trust Score
Start by searching for the contractor you're evaluating on Verdica. Review their overall score and grade, then drill into each sub-score. Pay particular attention to Safety Record and License Validity — these two dimensions tend to be the strongest predictors of future reliability.
Compare scores across multiple contractors in the same market or region to understand what "good" looks like for your specific needs. A score of 700 might be above average in one region and below average in another, so context matters.
Finally, use the score as one input in your decision — not the only one. Verdica provides the regulatory and compliance picture. You should also consider factors like pricing, references, and cultural fit that fall outside the scope of public records.
Ready to check a contractor's trust score? Search contractors on Verdica — it's free to search and takes less than 30 seconds.