MD home improvement bonds.
$900 flat. Five minutes.
The Maryland Home Improvement Commission (MHIC) requires license applicants to show $30,000 of net worth — or post a $30,000 surety bond in its place under Business Regulation § 8-302. Ours is $900 flat, 3% of the bond amount, identical for every contractor.
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Three steps to licensed.
Your MHIC license is waiting on this bond. Here’s the entire process — no broker phone tag:
Apply online
Business details, your MHIC license number if you have one, and an effective date. That’s the application — no financials, no credit check section.
Pay & e-sign
Fixed-amount license bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File with the MHIC
Your executed bond and power of attorney arrive by email, ready to file with your MHIC license application or renewal. Wet-ink original mailed on request.
The whole pricing page.
$30,000 bond × 3% = $900, one-time per term. Fixed amount, fixed price, multi-year if you want it.
What it is and who needs it.
What the bond actually guarantees
Maryland licenses home improvement contractors through the Maryland Home Improvement Commission (MHIC) under Business Regulation Title 8. To be licensed, an applicant must show personal net worth of at least $30,000 — or file a $30,000 surety bond in its place. The bond is the simpler path for most contractors.
The bond backs the Home Improvement Guaranty Fund: it is a consumer-protection guarantee that the homeowners you work for can recover for an actual loss caused by your violation of the Home Improvement law. You (the principal), the surety, and the MHIC (the obligee) are the parties; the homeowner is the protected one.
The surety’s aggregate liability under the bond is capped at $30,000, and it is not insurance for you — if the surety pays a Guaranty Fund claim, you repay the surety. Contractors who want to skip the financial-statement process entirely sometimes file a larger bond; send us your situation and we’ll confirm the amount.
You need this bond if you are
Five minutes. The whole thing.
These are the actual issuing fields — no credit check section, because this bond doesn’t have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Maryland home improvement contractor bond? +
Do I pay the $30,000? +
Do I have to post a bond? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
The MHIC is waiting on one document.
$900 flat, five-minute application, bond often issued in the same sitting. Free until issued.