Putnam County HIC bonds.
$219 flat.
Putnam County conditions a home improvement contractor license on a $25,000 bond. Ours is $219 flat — set by our carrier's rate book for this bond, the same for every contractor. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.
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Three steps. One sitting.
Home improvement license bonds are about the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That's the application — no financials, no credit fields.
Pay & e-sign
License bonds like this issue right after purchase. At most, 1–2 business days.
File with Putnam County Consumer Affairs
Your executed bond arrives by email, ready to file with your HIC license application. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A home improvement contractor bond is a consumer-protection guarantee. Putnam County licenses contractors who do residential repair and remodeling — the bond gives homeowners and the County a financial backstop that you perform contracted work and follow the County's home-improvement rules.
It's a three-party arrangement: you (the principal), the surety carrier, and Putnam County (the obligee), with your homeowner customers as the protected parties. If a contractor abandons a job, fails to refund deposits, or violates the County's HIC law, a harmed homeowner can recover against the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. Contractors who finish their jobs and keep clean records treat the bond as a license formality.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — the application collects no credit information for this bond.
Start the application →Common questions.
Other New York bonds.
Finish your Putnam County HIC license today.
$219 flat, no credit review, bond often issued in the same sitting. Free until issued.