CURRENT · 09 2026

Contractor license & insurance requirements by state

Fees, bond amounts and thresholds read from the board that sets them, with the date we read them. Calculators that show their arithmetic. Nothing here is copied from another summary.

Date  September 2026

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The paperwork a license application actually is: documents, a seal, a ribbon.

Four pillars

Licensing splits into four questions. Each one has its own tools, guides and jurisdiction notes.

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Jurisdiction

State requirements

2 tools · 5 guides · 12 state sheets

Who issues the license in each state, the dollar threshold that triggers it, how to verify a number, and which states honour each other.

All 19 pages
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Procedure

Licensing process

6 tools · 4 guides · 1 comparison

The path from experience hours to a license number: what a board wants on the application, what the exam covers, what it costs, and when it lapses.

All 11 pages
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Coverage

Bonds & insurance

6 tools · 7 guides · 6 comparisons

The surety bond a board demands, the general liability a general contractor demands, and the workers' comp a state demands — with the numbers that set each premium.

All 19 pages
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Trade

Trade licenses

3 guides · 3 comparisons

Electrical, mechanical, plumbing and roofing licenses run on their own ladders — apprentice hours, a trade exam, and in some states a separate bond.

All 6 pages

How to use this site

  1. § 1

    Find the board that issues your license

    Three models cover all fifty states: a state board for generals, state trade licenses only, or local registration. Which one you are in decides everything after it.

    Requirements by state
  2. § 2

    Price the whole thing, not the application fee

    The board fee is the small part. The bond premium, the first year of liability cover and the exam spend are the rest, and the bond line moves furthest with your credit.

    License cost calculator
  3. § 3

    Put the renewal date somewhere that is not an inbox

    In a board state an expired license is no license, and work contracted while it is expired can reach your right to be paid for it.

    Renewal tracker

Jurisdictions

12 sheets written from the board’s own pages. The remaining codes are registers we requested directly on 2026-10-18 — they open the lookup directory.

Open the lookup directory

Keep your license current.

55 pages, every figure read from the regulator that publishes it and stamped with the date. Last full check 2026-09-04.