TN contractor license bonds.
Flat 3%. Enter your amount.
Tennessee does not require every contractor to carry a bond — the Board for Licensing Contractors requires one when your financial statement falls short of the net-worth needed for your monetary limit. The Board sets the amount; we issue it at a flat 3% with one soft credit pull.
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Three steps to licensed.
Your contractor license is waiting on this bond. Here is the whole process — no broker phone tag:
Apply once, online
Business details, owner information, the bond amount the Board set, and an effective date. The only extra step is a one-time consent to a soft credit pull.
Reviewed & approved
Larger contractor bonds get a quick underwriting review; you hear from an underwriter within 48 hours if anything is needed. The credit check is a soft pull that never affects your score.
E-sign & file with the Board
Pay online and receive the executed bond ready to file with your contractor license application. Wet-ink originals mailed whenever the Board insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Enter the figure the Board set and the premium updates.
What it is and who needs it.
What the contractor bond actually covers
Tennessee licenses contractors through the Board for Licensing Contractors, which sets each contractor's monetary limit — the largest project you can bid — based on the net worth shown on your reviewed financial statement. Most contractors qualify on their financials alone and never post a bond.
When your financial statement falls short of the net worth needed for the limit you want, the Board lets you make up the gap with a surety bond in lieu of net worth. The bond amount is set by the Board based on your monetary limit and the size of the deficiency — commonly $500,000 when your limit is $1.5 million or less, and $1,000,000 when it is more.
Unlike a typical license bond, this one backs your financial responsibility to the Board rather than a specific project. Enter the amount the Board set, and we issue it at a flat 3% with one soft credit pull — credit affects approval, never the rate.
You need this bond if you are
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.
Does every Tennessee contractor need this bond? +
How is the bond amount set? +
How much will it cost? +
Is there a credit check? +
What does the bond guarantee? +
Other New York bonds.
The Board is waiting on one document.
Five-minute application, flat 3%, soft pull only. Enter the amount the Board set and file the same week.