Contractor License Bond Amount Calculator
ANA›Life Services Authority›National Calculator Authority›Contractor License Bond Amount Calculator
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Contractor License Bond Amount Calculator
Estimate the required surety bond amount for your contractor license based on your state, contractor type, and business revenue. Bond amounts vary by jurisdiction and license classification.
State
-- Select State -- California Texas Florida New York Washington Arizona Nevada Oregon Colorado Georgia Illinois North Carolina Virginia Michigan Ohio Other / General Estimate
License / Contractor Type
General Contractor Electrical Contractor Plumbing Contractor HVAC Contractor Roofing Contractor Specialty / Subcontractor
Estimated Annual Revenue ($)
Number of Employees
Owner Credit Score (approximate)
Excellent (720+) Good (680–719) Fair (620–679) Poor (below 620)
Calculate Bond Amount
(function() {
// State-specific bond requirements (base bond amounts in USD) // Sources: State licensing boards, CSLB, TDLR, DBPR, etc. const STATE_BOND_DATA = { CA: { name: "California", general: { base: 25000, revenueThresholds: [[0, 25000], [500000, 25000], [1000000, 25000]] }, electrical: { base: 25000, revenueThresholds: [[0, 25000]] }, plumbing: { base: 25000, revenueThresholds: [[0, 25000]] }, hvac: { base: 25000, revenueThresholds: [[0, 25000]] }, roofing: { base: 25000, revenueThresholds: [[0, 25000]] }, specialty: { base: 25000, revenueThresholds: [[0, 25000]] }, note: "California CSLB requires a $25,000 contractor license bond (Bond of Qualifying Individual may also be required at $12,500).", source: "CA CSLB – cslb.ca.gov" }, TX: { name: "Texas", general: { base: 10000, revenueThresholds: [[0, 10000], [500000, 25000], [2000000, 50000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000], [300000, 15000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 10000, revenueThresholds: [[0, 10000]] }, specialty: { base: 5000, revenueThresholds: [[0, 5000]] }, note: "Texas bond requirements vary by city/county and license type. State-level bonds typically range $5,000–$50,000.", source: "TDLR – tdlr.texas.gov" }, FL: { name: "Florida", general: { base: 20000, revenueThresholds: [[0, 20000], [500000, 50000], [1000000, 100000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000], [500000, 25000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 50000, revenueThresholds: [[0, 50000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Florida DBPR requires bonds ranging $10,000–$100,000 depending on license class and revenue.", source: "Florida DBPR – myfloridalicense.com" }, NY: { name: "New York", general: { base: 15000, revenueThresholds: [[0, 15000], [500000, 30000], [1000000, 50000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 20000, revenueThresholds: [[0, 20000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "New York bond requirements vary by municipality. NYC has separate requirements.", source: "NY DOS – dos.ny.gov" }, WA: { name: "Washington", general: { base: 12000, revenueThresholds: [[0, 12000], [200000, 24000], [1000000, 36000]] }, electrical: { base: 4000, revenueThresholds: [[0, 4000]] }, plumbing: { base: 6000, revenueThresholds: [[0, 6000]] }, hvac: { base: 6000, revenueThresholds: [[0, 6000]] }, roofing: { base: 12000, revenueThresholds: [[0, 12000]] }, specialty: { base: 6000, revenueThresholds: [[0, 6000]] }, note: "Washington L&I requires a $12,000 general contractor bond; specialty contractors $6,000.", source: "WA L&I – lni.wa.gov" }, AZ: { name: "Arizona", general: { base: 5000, revenueThresholds: [[0, 5000], [150000, 10000], [500000, 15000]] }, electrical: { base: 5000, revenueThresholds: [[0, 5000]] }, plumbing: { base: 5000, revenueThresholds: [[0, 5000]] }, hvac: { base: 5000, revenueThresholds: [[0, 5000]] }, roofing: { base: 5000, revenueThresholds: [[0, 5000]] }, specialty: { base: 5000, revenueThresholds: [[0, 5000]] }, note: "Arizona ROC bond amounts range $5,000–$15,000 based on license classification.", source: "AZ ROC – roc.az.gov" }, NV: { name: "Nevada", general: { base: 50000, revenueThresholds: [[0, 50000]] }, electrical: { base: 30000, revenueThresholds: [[0, 30000]] }, plumbing: { base: 30000, revenueThresholds: [[0, 30000]] }, hvac: { base: 30000, revenueThresholds: [[0, 30000]] }, roofing: { base: 30000, revenueThresholds: [[0, 30000]] }, specialty: { base: 30000, revenueThresholds: [[0, 30000]] }, note: "Nevada State Contractors Board requires bonds of $30,000–$50,000 depending on license class.", source: "NSCB – nscb.nv.gov" }, OR: { name: "Oregon", general: { base: 20000, revenueThresholds: [[0, 20000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 20000, revenueThresholds: [[0, 20000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Oregon CCB requires a $20,000 bond for general contractors and $10,000 for specialty contractors.", source: "Oregon CCB – oregon.gov/ccb" }, CO: { name: "Colorado", general: { base: 15000, revenueThresholds: [[0, 15000], [500000, 25000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 15000, revenueThresholds: [[0, 15000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Colorado bond requirements vary by municipality; state-level bonds typically $10,000–$25,000.", source: "DORA – dora.colorado.gov" }, GA: { name: "Georgia", general: { base: 25000, revenueThresholds: [[0, 25000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 25000, revenueThresholds: [[0, 25000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Georgia requires a $25,000 bond for general contractors; specialty trades typically $10,000.", source: "Georgia Secretary of State – sos.ga.gov" }, IL: { name: "Illinois", general: { base: 10000, revenueThresholds: [[0, 10000], [500000, 20000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 10000, revenueThresholds: [[0, 10000]] }, specialty: { base: 5000, revenueThresholds: [[0, 5000]] }, note: "Illinois bond requirements vary by city; Chicago has separate requirements.", source: "IDFPR – idfpr.illinois.gov" }, NC: { name: "North Carolina", general: { base: 10000, revenueThresholds: [[0, 10000], [500000, 25000], [1000000, 75000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 10000, revenueThresholds: [[0, 10000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "NC Licensing Board for General Contractors requires bonds based on license limit classification.", source: "NCLBGC – nclbgc.org" }, VA: { name: "Virginia", general: { base: 50000, revenueThresholds: [[0, 50000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 50000, revenueThresholds: [[0, 50000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Virginia DPOR requires a $50,000 bond for Class A contractors; Class B $15,000.", source: "DPOR – dpor.virginia.gov" }, MI: { name: "Michigan", general: { base: 10000, revenueThresholds: [[0, 10000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 10000, revenueThresholds: [[0, 10000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Michigan LARA requires a $10,000 bond for residential builders and maintenance contractors.", source: "LARA – michigan.gov/lara" }, OH: { name: "Ohio", general: { base: 25000, revenueThresholds: [[0, 25000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 25000, revenueThresholds: [[0, 25000]] }, specialty: { base: 10000, revenueThresholds: [[0, 10000]] }, note: "Ohio bond requirements vary by municipality; state-level bonds typically $10,000–$25,000.", source: "Ohio OCILB – com.ohio.gov" }, OTHER: { name: "Other State", general: { base: 15000, revenueThresholds: [[0, 15000], [500000, 25000], [1000000, 50000]] }, electrical: { base: 10000, revenueThresholds: [[0, 10000], [500000, 20000]] }, plumbing: { base: 10000, revenueThresholds: [[0, 10000]] }, hvac: { base: 10000, revenueThresholds: [[0, 10000]] }, roofing: { base: 15000, revenueThresholds: [[0, 15000]] }, specialty: { base: 7500, revenueThresholds: [[0, 7500]] }, note: "General estimate based on national averages. Verify exact requirements with your state licensing board.", source: "National average – verify with your state licensing board" } };
// Premium rate multipliers by credit score const CREDIT_RATE = { excellent: 0.01, // 1% of bond amount good: 0.015, // 1.5% fair: 0.025, // 2.5% poor: 0.05 // 5% };
// Employee surcharge thresholds function employeeSurcharge(employees) { if (employees = thresholds[i][0]) { bond = thresholds[i][1]; } } return bond; }
window.conUpdateFields = function() { const state = document.getElementById("con-state").value; const noteBox = document.getElementById("con-state-note"); if (state && STATE_BOND_DATA[state]) { noteBox.style.display = "block"; noteBox.innerHTML = "State Note: " + STATE_BOND_DATA[state].note + " Source: " + STATE_BOND_DATA[state].source + ""; } else { noteBox.style.display = "none"; } };
window.conCalc = function() { const resultEl = document.getElementById("con-result"); const state = document.getElementById("con-state").value; const licType = document.getElementById("con-license-type").value; const revenueRaw = document.getElementById("con-revenue").value; const employeesRaw= document.getElementById("con-employees").value; const credit = document.getElementById("con-credit").value;
// Validation if (!state) { resultEl.innerHTML = 'Please select a state.
'; return; } const revenue = parseFloat(revenueRaw); if (isNaN(revenue) || revenue "$" + v.toLocaleString("en-US"); const pct = v => (v * 100).toFixed(1) + "%";
const licLabels = { general: "General Contractor", electrical: "Electrical Contractor", plumbing: "Plumbing Contractor", hvac: "HVAC Contractor", roofing: "Roofing Contractor", specialty: "Specialty / Subcontractor" }; const creditLabels = { excellent: "Excellent (720+)", good: "Good (680–719)", fair: "Fair (620–679)", poor: "Poor (below 620)" };
resultEl.innerHTML = "### Bond Estimate Results " + "" + "State" + stateData.name + "" + "License Type" + licLabels[licType] + "" + "Annual Revenue" + fmt(revenue) + "" + "Base Required Bond" + fmt(baseBond) + "" + "Employee Surcharge" + fmt(empSurcharge) + "" + "Total Required Bond Amount" + fmt(requiredBond) + "" + "Credit Score Tier" + creditLabels[credit] + "" + "Premium Rate" + pct(premiumRate) + " of bond" + "Est. Annual Premium" + fmt(premiumLow) + " – " + fmt(premiumHigh) + "" + "" + "Note: This is an estimate. Actual bond requirements and premiums vary by surety company, underwriting, and local regulations. Always verify with your state licensing board.
"; };
})();
#### Formula
Required Bond Amount = Base Bond (from state + license type + revenue tier) + Employee Surcharge
Employee Surcharge: $0 (1–5 employees) | $2,500 (6–20) | $5,000 (21–50) | $10,000 (51+)
Estimated Annual Premium = Required Bond Amount × Credit-Based Premium Rate
Premium Rates by Credit Score: Excellent (720+) = 1.0% | Good (680–719) = 1.5% | Fair (620–679) = 2.5% | Poor (<620) = 5.0%
Premium Range = Annual Premium ± 20% (reflects surety market variability)
#### Assumptions & References
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