Public Record · California Contractor

Is Stephen Michael Howard licensed, insured & complaint-free in California?

The California Contractors State License Board (CSLB) lists Stephen Michael Howard's contractor license (CSLB #1124532) with the status "Work Comp Susp" as of June 27, 2026. The classification on record is C20.

Contractor record · CSLB #1124532

Stephen Michael Howard

Heating & Air Conditioning (C-20) · Fallbrook, CA
Not Active

Not in good standing

This license is not active or in good standing, per the California Contractors State License Board (CSLB).

Why: Suspended over workers'-comp coverage.

As of June 27, 2026CSLB code: Work Comp SuspVerify on CSLB
License #
CSLB #1124532
Classification
C20
Heating & Air Conditioning (C-20)
Years licensed
1
since August 1, 2024
Contractor's bond
Active
$25,000
The full dossierRedacted preview
Bond suretywho to file a claim against
Bond number
How to make a bond claim
What “Not in good standing” means + what to ask
License expiration date
Registered business entity & contact
Dated certificate PDF — emailed with your receipt

Unlock every field above for Stephen Michael Howard — including who to file a claim against the $25,000 bond. Delivered as a dated certificate PDF, emailed with your receipt. Public records, not a background check.

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Principals on record · CSLB

HOWARD STEPHEN MICHAELSole Owner

Workers’ compensation · CSLB

Workers' Compensation Insurance
Carrier
WESCO INSURANCE COMPANY
Policy
WWC3782836
Effective
April 10, 2025
Expires
April 10, 2026
Cancelled
October 6, 2025

What this record means

What "Work Comp Susp" means

A workers'-comp suspension means the CSLB records a lapse in required workers'-compensation coverage. The license is not in good standing until coverage is restored. The official CSLB record shows the current detail.

How to verify this yourself

Every fact on this page comes from the California Contractors State License Board (CSLB). You can confirm it directly: look up CSLB license #1124532 on the official CSLB site. This page is current as of June 27, 2026; the CSLB record is updated continuously.

What the contractor's bond covers

California requires most licensed contractors to carry a $25,000 contractor's bond. It can pay certain claims for license-law violations — it is not insurance for your project and is not a measure of work quality. The CSLB lists the surety and bond number.

What this record does and does not tell you

The California Contractors State License Board (CSLB) tracks license status, classification, bond, and workers'-comp. It does not rate work quality, track general-liability insurance, or collect customer reviews. Use it to confirm the license is real and in good standing, then check references and a written contract separately.

What classification C20 covers

CSLB #1124532 is classified Heating & Air Conditioning (C-20). A California contractor is licensed only for the classifications on record; work outside them may fall outside the license. The full classification list is on the official CSLB record.

Common questions

Is Stephen Michael Howard licensed in California?

The California Contractors State License Board (CSLB) lists Stephen Michael Howard's license, CSLB #1124532, with the status "Work Comp Susp" as of June 27, 2026. A non-CLEAR status means the license is not in good standing; check the official CSLB record for the current detail.

Is Stephen Michael Howard insured?

The California Contractors State License Board (CSLB) shows the workers'-compensation policy for CSLB #1124532 as lapsed or cancelled as of June 27, 2026. Verify the current status on the official CSLB record.

Does Stephen Michael Howard have complaints or violations?

As of June 27, 2026, the California Contractors State License Board (CSLB) lists CSLB #1124532 with the status "Work Comp Susp". The details, including any underlying citation or judgment, are on the official CSLB record.

Who runs Stephen Michael Howard?

The California Contractors State License Board (CSLB) lists Stephen Michael Howard as a sole-owner or single-principal license (CSLB #1124532). The named principal is shown in the personnel section below, as recorded by the CSLB.

Is Stephen Michael Howard bonded?

As of June 27, 2026, the California Contractors State License Board (CSLB) shows an active contractor's bond on file for CSLB #1124532. California requires a $25,000 contractor's bond; it protects against certain license-law violations, not a guarantee of work quality.

How long has Stephen Michael Howard been licensed?

The California Contractors State License Board (CSLB) shows CSLB #1124532 was first issued on August 1, 2024, about 1 year ago.

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This record compiles California Contractors State License Board (CSLB) data — license, insurance, principals, and enforcement — that CSLB publishes across separate pages, current as of June 27, 2026. IsItLicensed is not affiliated with or endorsed by the CSLB or the State of California. Always verify against the official record.