Effingham general contractor bonds.
$100 flat.
Also known as the Effingham Illinois General Contractor License Bond.
Effingham requires anyone doing building work — licensed contractors and homeowners doing their own work alike — to register with the City before a building permit will issue, and general contractor registration is backed by a $20,000 surety bond. Ours is $100 flat, and the price you see is the checkout price.
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How much does an Effingham general contractor bond cost?
$100 at the $20,000 amount, the same for every applicant.
Three steps. One sitting.
Contractor registration bonds are about the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That is the application. No credit check.
Pay & e-sign
Registration bonds like this are among the thousands of bond types that issue right after purchase.
File with the Building Department
Your executed bond and power of attorney arrive by email, ready to file with your Effingham contractor registration application, attention the Chief Building Official. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Effingham requires anyone doing work on a building — including a homeowner performing their own work — to register with the City before a permit can be issued. General contractor registration is conditioned on a $20,000 surety bond, filed with the Chief Building Official.
It's a three-party arrangement: you (the principal), the surety carrier, and the City of Effingham (the obligee), with the City and harmed property owners as the protected parties. If a registered contractor fails to perform to code or leaves covered obligations unpaid, the City or a harmed party can look to the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. Registration renews annually and expires when the bond does, so we track your term and send renewal notices before it lapses.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $20,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Building Department. Your executed bond and power of attorney arrive by email, ready to file with your Effingham contractor registration application, attention the Chief Building Official. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $100 at the $20,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields. No credit check.
Start the application →Common questions.
Other Illinois bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your Effingham contractor registration today.
$100 flat, no credit check, bond often issued in the same sitting. Free until issued.