Before an independent installer can take Minnesota work through Lumber Liquidators, the retailer’s Installation Provider Agreement requires a surety bond running to Lumber Liquidators, Inc. as obligee. It is a private contractual requirement, not a Minnesota statute — the company sets the amount, not the state, and no state agency receives the filing. Our premium is priced at 0.5% of the bond amount, with a $100 minimum; the application collects no credit information, and most applications approve instantly.
















Installer bonds are the simplest thing in surety — one short application, no financials, no underwriting queue. Here is the whole thing:
Your business details, the bond amount your provider agreement names, and an effective date. That is the entire application — no financial statements, no credit section, no follow-up scavenger hunt.
Your price is final at checkout — 0.5% of the bond amount, with a $100 minimum. The application collects no credit information, and most applications approve instantly. If a check ever runs, it is a soft pull that will not affect your score.
Your executed bond and power of attorney arrive by email, ready to hand to your installation coordinator so your provider file can be cleared for work. Wet-ink originals mailed on request.
Lumber Liquidators sells flooring; independent contractors install it. Those installers sign an Installation Provider Agreement and, as a condition of it, post a surety bond naming Lumber Liquidators, Inc. as obligee. The bond guarantees the installer performs to the agreement and in compliance with the state and local law that governs the work — a homeowner-facing quality and compliance backstop for a national retailer whose brand rides on installs it does not perform itself.
This is a private, contractual bond. No Minnesota statute creates it, no state agency receives it, and no license turns on it. The company writes the requirement, sets the amount, and can change either; a licensing bond is set by a legislature or a city council and filed with a public office. That distinction shows up on the form itself — the obligee line reads Lumber Liquidators, and a claim is made by the company, not by a regulator.
It does not replace Minnesota licensing, and Minnesota’s scheme is unusual enough to be worth reading carefully. Floor covering and wood floors are two of the eight items inside "interior finishing," one of the state’s eight statutory special skills. A contractor who contracts directly with a homeowner and offers more than one special skill must hold a residential building contractor or remodeler licence from the Department of Labor and Industry; a true single-skill specialty contractor is exempt, as is a person whose gross annual receipts for licensable work stay under $15,000 and who files an affidavit for a certificate of exemption. And Minnesota does not put a bond behind that licence at all — it runs a contractor recovery fund instead, which is exactly why this retailer bond is a separate obligation you may still need.
These are the actual issuing fields — no credit section, because this application does not collect credit information. Enter the amount your provider agreement names and your exact price is set at the application from a $100 minimum.
Start the application →Premiums from $100, no credit section, and the bond issues the moment you pay. Enter the amount your agreement names and hand it to your coordinator the same day. Free until issued.