Kentucky Contractor License Bond

A Kentucky Contractor License Bond costs as little as $100. The cost for this bond varies depending on the bond's penal sum and your credit score. 

• Penal Sum: This is the full amount that your bond must be. However, you only pay 1% - 10% of this amount to get bonded. For example, a $10,000 Roofers Licensing Bond would cost $100 - $1,000. As there is no statewide contractor licensing bond requirement, the penal sum varies depending on which city or town is licensing you and the work you perform. 
• Credit Score: A soft credit check is run when you apply for a license bond. This is the main factor that determines the bond rate that you can secure. 

Beyond having good credit, other factors that can help you secure a low bond rate include: 

• Industry experience
• Past bonding history with no claims
• Business assets 

Dexter knew he had credit issues, so he offered proof he had been working in construction for almost a decade. Plus, he had previously held construction bonds in other states with no claims. These two factors help offset his bad credit, allowing us to lower his bond rate.

1. Find the Bond You Need

Most contractor license applications come with instructions that include the required bond amount.

Alternatively, to find your Contractor License Bond information, you may also:

• Check the website of the city or town licensing you. If you can't find the bond requirements, try contacting them directly.
• Talk to one of our surety experts. We are always up to date with the latest bonding requirements and would be happy to help. 

2. Apply For Your Contractor Bond

Fill out our online application. The form only takes a few minutes to complete and sends an instant bond quote to your email. 

Information required includes:

• Bond Name
• Bond Amount 
• Contact Information

3. Get a Bond Quote

Once you send your application, a quote should appear in your email within a few minutes. In some cases, it may take a little longer. Don't forget to check your Spam Folder.

4. Buy Your Bond

If you are satisfied with your quote, log in to our website, fill out the indemnity agreement, and pay your invoice. 

A printable copy of your bond will be sent via email. The original will be sent by mail. Some license applications will accept a copy of the bond, while others require the original.

Contractors working in certain cities and towns in KY need a Kentucky Contractor License Bond to get licensed. Additionally, roofers need a bond to get licensed.

The required bond type and amount vary depending on where you are working and which type of work you are performing.

Currently, Kentucky Electricians, HVAC Specialists, and Plumbers do not need a bond to be licensed by the Kentucky Department of Housing, Buildings and Construction (DHBC).

Kentucky offers various contractor licenses depending on where you are performing work and the type of contracting you're doing. Requirements may vary slightly, but applications tend to have a lot of overlap. 

For example, to get a General Contractor's License in the City of Henderson, you need: 

• Proof of City of Henderson Occupational License
• Contractors insurance, including General Liability Insurance and Workers Compensation Insurance
• Business entity information
• Annual fee payment

Another common requirement on applications is proof of work experience and/or schooling.