Pennsylvania Home Improvement Contractor Bond

Pennsylvania requires a $50,000 contractor bond before you can be licensed. You file it with the Pennsylvania AG's office. It protects your customers.

Bond Amount
$50,000
Typical Premium
$350–$2,500/yr
Term
2 Years
Required By
Pennsylvania Office of Attorney General (HICPA)
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What Is the Pennsylvania Home Improvement Contractor Bond?

Think of the Pennsylvania contractor bond as a promise to do right by your customers. Do a customer wrong, and they can claim against the bond. The surety collects from you after.

In Pennsylvania, the bond is $50,000.

This covers home improvement contractors who do more than $5,000 of work a year.

Who Needs This Bond in Pennsylvania?

How to Get Bonded — Step by Step

  1. Begin your Pennsylvania license paperwork.
  2. Get your bond here — fast quotes.
  3. Turn in the bond with the Pennsylvania AG's office.
  4. Receive your license and take on jobs.

Renewal & Continuous Bond Coverage

Pennsylvania contractor licenses run two years. Your bond must stay in force the whole time. Renew early so you do not lose your license.

Frequently Asked Questions

Who needs the Pennsylvania bond?

Home improvement contractors who do more than $5,000 of work a year.

Does the Pennsylvania bond protect me?

No. The bond protects your customers and the state, not you. If a claim is paid, you repay the surety. It is not insurance for you.

How fast can I get bonded in Pennsylvania?

Most quotes come back fast, often within a day. Many bonds are issued the same day for good credit.

How much does the bond cost?

You pay a yearly premium — a small percent of the bond amount. Good credit means a lower rate.

How a Surety Bond Works

A contractor bond is a type of surety bond. The picture below shows the three parties and what happens if someone files a claim.

Diagram of how a surety bond works: the obligee requires the bond, the principal applies and signs an indemnity agreement, and the surety issues the bond; if the principal fails, the obligee files a claim, the surety investigates and may pay, and the principal reimburses the surety.

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This Home Improvement Contractor Bond in other states
Alaska · Arizona · Arkansas · California · Hawaii · Maryland · Michigan · Nevada · New Jersey · North Carolina · Virginia
Other Pennsylvania surety bonds
Auctioneer Bond · Mortgage Broker Bond · Motor Vehicle Dealer Bond · Notary Public Bond

Related: All Pennsylvania surety bonds · What is a surety bond? · How surety bond costs are calculated

Underwriting Disclosure. All surety bond applications are subject to underwriting review and approval by the issuing surety company. Quoted premiums are estimates only; final pricing is determined by individual underwriting factors, which may include personal and business credit history, financial statements, industry experience, and claims history. Many bonds qualify for instant online approval, while others may require additional documentation, financial review, or indemnitor signatures prior to issuance. SuretyBondly makes no representation, warranty, or guarantee of approval, eligibility, premium amount, bond form, or issuance timing. Bond amounts, forms, and requirements are governed by the applicable obligee and statutory authority and may change without notice. Information provided on this page is for general informational purposes only and does not constitute legal, financial, or tax advice.