I had to find someone to fix a hole in my ceiling a while back. I called people who advertised being bonded and insured. One guy told me he couldn't keep up the payments, so he didn't have it anymore. Two more told me they had it, so I got estimates.
One estimate was way cheaper than the other. When I asked for his insurance paperwork, he sheepishly admitted he didn't have it. Well, thanks for wasting all our time by lying! I hired guy #3, who actually followed through on his promises to me.
Never thought it would be so hard~