NJ home improvement contractor bonds.
Flat 3%. Pick your tier.
New Jersey's Contractors' Registration Act now requires registered home improvement contractors to carry a compliance bond — $10,000, $25,000, or $50,000 depending on your contract volume, under N.J.S.A. 56:8-142. Whatever tier applies to you, we issue it at a flat 3% with no credit check.
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Apply to filed in one sitting.
No underwriting queue for the standard contractor bond — pick your tier, pay, and file with your registration. Here is the whole thing:
Apply online
Your business details, the bond tier that matches your contract volume, and the effective date — that is the entire application.
Issued on the spot
No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.
File with your registration
Submit the executed bond to the Division of Consumer Affairs with your home improvement contractor registration or renewal. Wet-ink originals mailed on request.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Pick the tier that matches your contract volume and the premium updates.
What it is and who needs it.
What the contractor bond actually covers
New Jersey registers home improvement contractors with the Division of Consumer Affairs under the Contractors' Registration Act. A 2022 amendment (P.L. 2022, c. 73) added a compliance bond requirement, implemented through N.J.A.C. 13:45A-17 and effective in 2025 — a meaningful change, so verify your tier against the current rule before you file.
The bond is a consumer-protection guarantee. It stands behind your compliance with the Act and the Consumer Fraud Act on home improvement work — if a contractor takes a homeowner's deposit and abandons the job, or otherwise violates the law, the harmed homeowner can recover against the bond.
The amount is tiered by contract size: broadly, $10,000 for smaller-volume contractors, $25,000 in the middle tier, and $50,000 for larger single contracts (over roughly $120,000) or high annual volume. The thresholds are set by rule and can change — pick the tier on your registration paperwork, and if you're unsure, send it to us and we'll confirm. This bond is separate from the general liability insurance the Act also requires.
You need this bond if you are
Five minutes, issued on the spot.
Submit the application with the bond tier that matches your contract volume — the executed bond is generated instantly, ready to file.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the New Jersey home improvement contractor bond? +
Which tier applies to me? +
Is this bond new? +
Is there a credit check? +
Does the bond replace my liability insurance? +
Other New York bonds.
Registration bond, issued today.
Five-minute application, flat 3%, $275 minimum. Pick your tier and file with Consumer Affairs the same day.