MD home improvement bonds.
$3,000 flat. Soft pull.
Maryland's Home Improvement Commission (MHIC) lets a contractor file a $100,000 surety bond in lieu of financial statements when applying or renewing. Ours is $3,000 flat — 3% of the bond amount, the same for every contractor. One soft credit pull, which never affects your score and never changes the price.
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Three steps to licensed.
Your MHIC application or renewal is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, owner information, effective date. The only extra step is a one-time consent to a soft credit pull.
Reviewed & approved
Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.
E-sign & file with the MHIC
Pay online and receive the executed Maryland Home Improvement Contractor’s Bond, ready to file with your MHIC application or renewal. Wet-ink originals mailed whenever the Commission insists.
The whole pricing page.
$100,000 bond × 3% = $3,000, 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 Home Improvement Commission under the Business Regulation Article. The Commission requires each contractor to demonstrate financial solvency — and a contractor who would rather not submit financial statements can instead file a $100,000 surety bond.
The bond runs for the benefit of the Maryland Home Improvement Guaranty Fund. The Fund compensates homeowners for losses from unworkmanlike, inadequate, or incomplete home improvement work by a licensed contractor. If the Fund pays out because of your work, it can recover against your bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. Note the $100,000 bond is the larger of two options: contractors who do provide financial statements may instead qualify for a smaller bond. Confirm with the MHIC which path your application takes, and we'll write the right one.
You need this bond if you're
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
Do I pay the $100,000? +
Why is it $100,000? +
What does the bond guarantee? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
The MHIC is waiting on one document.
$3,000 flat, five-minute application, e-signed bond in 1–2 business days. Free until issued.