Contractor licensing and insurance guides
19 guides · 4 pillars, verified 09 2026
Written for the person who has to file the paperwork. Where we could read a fee, a bond amount or a threshold from the board that sets it, it is here with the date. Where we could not, the page says so instead of guessing.
The guides follow the same four pillars as the rest of the site. State requirements explains who issues a license and when the law demands one; licensing process walks experience, application, exam and renewal; bonds and insurance covers the bond a board demands and the cover a general contractor, an owner and the state each ask for; and trade licenses follows the electrical, HVAC, plumbing and roofing ladders. If you need a number for one state rather than an explanation, go to the jurisdiction sheets; if you need to work something out, the tools run in your browser and print.
State requirements
- Contractor license requirements by stateThe three licensing models, and the state sheets we read in full.2026-09-04
- Contractor license classifications, explainedA, B and C classes, and what each one actually lets you build.2026-10-18
- How to check a contractor licenseVerifying a number in three minutes, and what a clean record does not tell you.2026-09-04
- Working unlicensed: what it actually costsThresholds, fines, and what happens to your lien rights.2026-09-04
- Contractor license reciprocityWhat a partner board waives, and what an agreement never covers.2026-10-18
Licensing process
- How to get a contractor licenseEvery step from first experience hour to a number on a certificate.2026-10-18
- General contractor license requirementsExperience, exam, financials, bond and insurance — what boards test.2026-09-04
- The contractor license examFormat, sections and how the trade half differs from the law half.2026-09-04
- Renewing a contractor licenseCycles, continuing education, and getting a lapsed license back.2026-10-18
Bonds & insurance
- General liability insurance for contractorsWhat it covers, the limits GCs ask for, and the exclusions that bite.2026-09-04
- Contractor surety bonds: how they actually workLicense bonds, performance bonds, underwriting and what a claim does to you.2026-09-04
- Builders risk insurance explainedCourse-of-construction cover, who buys it and what it will not pay for.2026-09-04
- Workers' comp for contractorsClass codes, the e-mod, exemptions, and uninsured subcontractors.2026-09-04
- Reading a certificate of insuranceACORD 25 line by line: additional insured, waiver of subrogation, dates.2026-09-04
- What contractor insurance costsEach line of cover, what drives its number, and where the quotes diverge.2026-09-04
- Subcontractor insurance requirementsWhat a GC should require of every sub, the clause to put it in, and the 1099 test.2026-10-18
Trade licenses
- Electrical contractor licenseApprentice to journeyman to contractor, and the hours each rung wants.2026-09-04
- HVAC license and EPA 608The mechanical license, plus the EPA 608 certification nobody waives.2026-09-04
- Roofing contractor licenseWhich states license roofing on its own, and the bond that comes with it.2026-10-18