TN $1M contractor bonds.
$10,000 flat.

Tennessee contractors whose license monetary limit exceeds $1,500,000 file a $1,000,000 surety bond with the Board for Licensing Contractors. Ours is $10,000 flat — set by our carrier's rate book for this bond. A quick soft credit check may apply, e-signed in 1–2 business days.

✓

Required when your license limit exceeds $1,500,000 — lower limits file a $500,000 or smaller bond

✓

Fixed amount, fixed price — $1,000,000 bond, $10,000, no quote theater

✓

A quick soft credit check may apply — never a hard inquiry, no impact on your score

A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available

Trusted by industry leaders

How it works

Three steps to licensed.

Your contractor license limit is waiting on this bond. Here's the whole process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. That is the application — a quick soft credit check may run as part of review.

WITHIN 48 HOURS

Reviewed & approved

A $1M bond gets a real underwriting look, but most clear quickly; you hear from an underwriter within 48 hours if anything else is needed. Any credit check is a soft pull that never affects your score.

1–2 BUSINESS DAYS

E-sign & file with the Board

Pay online and receive the executed bond on the Board’s form, ready to file with your contractor license application or limit increase. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Tennessee licenses commercial and residential contractors through the Board for Licensing Contractors, and ties a surety bond requirement to your license monetary limit. A contractor whose limit exceeds $1,500,000 files a $1,000,000 bond; lower limits file a $500,000 bond, and home-improvement and other categories carry their own smaller amounts.

The bond guarantees you comply with the contractor licensing law in Title 62 — it stands behind your performance of construction contracts and your obligation to pay for labor, materials, and professional services. It is a public- and consumer-protection guarantee, not a payment or performance bond for any single project.

The bond is not insurance for you — if the surety pays a valid claim, you repay the surety. Make sure you’re filing the right tier: confirm your license monetary limit before buying, and send it to us if you’re unsure which amount applies.

T.C.A. § 62-6-101 et seq. (Board for Licensing Contractors)Tennessee contractors are licensed by the Board for Licensing Contractors under T.C.A. Title 62, Chapter 6. Board rules condition the license on a surety bond scaled to the license monetary limit — generally $1,000,000 for limits exceeding $1,500,000 and $500,000 for lower commercial limits, with separate amounts for home improvement and other categories. Confirm the bond amount tied to your license limit before purchasing.

You need this bond if you're

✓

A TN contractor with a high license limit — over $1,500,000, which triggers the $1M bond

✓

Raising your monetary limit into the tier that requires a larger bond

✓

A general or prime contractor bidding work above the $25,000 licensing threshold

✓

Renewing your license and your current bond is expiring or non-renewing

One application, issued instantly.

These are the actual underwriting fields; a soft credit check may run as part of review. Submit once and your bond is typically issued within 1–2 business days.

Start the application →

FAQ

Common questions.

Why is this bond $1,000,000?Because the $1,000,000 tier applies to contractors whose license monetary limit exceeds $1,500,000. If your limit is lower, you likely need a $500,000 bond or a smaller category amount instead — send us your limit and we’ll confirm.

Do I pay the $1,000,000?No. You pay $10,000 flat. The $1,000,000 is the surety's maximum liability, not a deposit. Nobody holds your money.

Who requires this bond?The Tennessee Board for Licensing Contractors, as a condition of a contractor license at the highest monetary-limit tier under T.C.A. Title 62, Chapter 6.

Is there a credit check?A quick soft credit check may apply as part of underwriting — never a hard inquiry, no impact on your score. A $1M bond gets a genuine underwriting look, but the premium stays $10,000 flat. Credit can affect approval, never price.

I’m not sure which bond amount I need.The amount is tied to your license monetary limit, not your project size. Over $1,500,000 limit → $1,000,000 bond. Send us your limit or your Board application and we’ll point you to the right tier.

Related bonds

Other Tennessee bonds.

Your license limit is waiting on one document.

$10,000 flat, short application, e-signed bond in 1–2 business days. Free until issued.

Start application

Your price$10,000

Apply now →