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Georgia Contractor License Bond

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What is a Georgia Contractor License Bond?

Any construction contractor working on residential or commercial projects must have a valid license in order to do business in Georgia. In addition, some counties require posting a Georgia contractor license bond before getting a license. A Georgia contractor license bond works as a safeguard for customers and project owners, helping ensure licensed contractors will complete work according to state laws and building codes.

A Georgia contractor license bond involves three different parties: the surety company which provides the bond, the principal which is the licensed contractor, and the obligee, which is the state or local authority requiring a bond to be in place. When a customer or project owner submits a legitimate claim against the bond, the surety company pays compensation to cover financial damages. The contractor, then, repays the claim amount. Because of this structure, it is essential to keep bond claims to a minimum.

What Does a Georgia Contractor License Bond Cost?

A Georgia contractor license bond of either $20,000 or $25,000 is necessary, depending on the type of work performed. However, contractors are not required to pay the full bond amount. Instead, a surety company calculates a bond premium, the cost of the bond, as a percentage of the total. The bond premium you pay typically ranges from 1 to 10%.

The premium you pay for a Georgia contractor license bond depends on your financial track record. The surety company reviews your personal credit score and business financials to evaluate how much risk you pose as a bondholder. If that risk is high, meaning you have a low credit score, you will likely pay a higher bond premium.

How Do I Get a Georgia Contractor License Bond?

You can start the process of securing your Georgia contractor license bond by submitting a brief online application. After your credit score and other application details are reviewed, you receive a quote for your bond premium and information on how to complete the bonding process.


Frequent Questions

How much does a bond cost?

Pricing is a percentage of the contractor license bond amount that’s required of you, which is based on your personal credit. Use our bond pricing tool to to get a quick ballpark estimate.

Can I get bonded with bad credit?

Yes. You can apply and get bonded with bad credit. Our agency is the largest writer of bonds in the county, which allows us to approve contractors for bonds when other agencies cannot.

Are these the same as contract bonds?

No. Contractor license bonds ensure you will abide by the laws of your state, city or municipality when performing contracting work. Contract bonds guarantee public projects will be completed properly and are a separate bond type. You can learn more about contract surety bonds by visiting the contractor bond center.

Do I need a state or local bond?

It depends on who is requiring the bond of you, the local municipality, county or state. Depending on your location, it is possible you may need both a local and state bond, as contractor license bond requirements can vary drastically. You can select your state to see a full list of contractor license bond requirements.


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Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
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Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

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