Contractor Bond and Insurance Guide
Bonds and insurance protect consumers and are part of licensing. Here is what you should understand before you apply.
Last reviewed July 22, 2026
The contractor bond
A contractor bond is generally required to obtain and maintain a license. The required amount changes over time — confirm the current figure with CSLB.
Workers’ compensation and liability
Contractors with employees generally need workers’ compensation coverage. Many also carry general liability insurance to protect their business.
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Do I need workers’ comp with no employees?
Requirements depend on your situation and classification. Verify current rules with CSLB.