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North Carolina Contractor License Bond

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What is an North Carolina Contractor License Bond?

Contractors working in North Carolina do not have a statewide licensing obligation to meet. However, specific cities and counties have licensing requirements for contractors that may include the need for a North Carolina contractor license bond. This type of surety bond provides some protection to customers interacting with licensed contractors.

If the contractor fails to comply with local laws and regulations or engages in fraudulent or illegal activities when working on a project, a customer can make a claim against the bond to receive compensation for damages.

A North Carolina contractor license bond is required for licensing in many counties and cities for HVAC, mechanical, refrigeration, electrical, and home improvement projects. You can check the licensing and bonding requirements through the local authority responsible for approving contractor licenses.

What Does a North Carolina Contractor License Bond Cost?

The bond amount you need as a licensed contractor varies depending on the type of work you perform and the location of that work. A North Carolina contractor license bond may be as low as $2,500 or as high as $130,000, but you are not responsible for paying the full amount. Instead, you are charged a bond premium which is calculated as a percentage of the bond, typically ranging from 1 to 10%.

When applying for a North Carolina contractor license bond, the surety company providing your bond will determine your bond premium after reviewing your personal credit score and business financial strength. You can still get bonded with a low credit score, but you will pay a higher premium for your North Carolina contractor license bond.

How Do I Get a North Carolina Contractor License Bond?

If you have determined the amount of bonding you need to work as a contractor in North Carolina, you can submit a brief online application to start the process. After the surety company evaluates the details of your application, you will receive a bond premium quote to put your North Carolina contractor license bond in place.


Frequent Questions

How much does a bond cost?

Pricing is a percentage of the 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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