TN home improvement contractor bonds.
$300. Five minutes.
Tennessee's home improvement contractor license is conditioned on a $10,000 bond filed with the Board for Licensing Contractors (within the Department of Commerce and Insurance) under Tenn. Code Ann. § 62-6-506. Our premium is $300 — a flat 3% of the bond amount, the same for every contractor.
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Three steps. One sitting.
License bonds are the simplest thing in surety. Here is the entire process:
Apply online
Business details, your mailing and physical address (these appear on the bond), and an effective date. No financials and no credit check section.
Pay & e-sign
Fixed-amount license bonds like this issue right after purchase in most cases. At most, 1–2 business days.
File with the Board
Your executed bond arrives by email, ready to file with your home improvement license application. Wet-ink original mailed on request.
The whole pricing page.
$10,000 bond × 3% = $300, one-time per term. Fixed amount, fixed price, multi-year if you want it.
What it is and who needs it.
What the bond actually guarantees
Tennessee's home improvement license covers residential remodeling between $3,000 and $24,999 in combined labor and materials. It is issued by the Board for Licensing Contractors within the Department of Commerce and Insurance, and conditioned on a $10,000 surety bond under Tenn. Code Ann. § 62-6-506. Projects of $25,000 or more require a full contractor license instead.
The bond is a consumer-protection guarantee backing your honest performance of home improvement work and your compliance with the home improvement law. If a contractor's wrongful act harms a homeowner, the homeowner can recover against the bond — and if the surety pays, you repay the surety. In lieu of the surety bond, the statute allows a letter of credit or a cash/property bond.
One thing to know about scope. The home improvement license is mandatory only in nine named counties — Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford, and Shelby. Contractors elsewhere in Tennessee may carry it voluntarily, but it is not required outside those counties. Check whether your county is on the list before you apply.
You need this bond if you're
Five minutes. The whole thing.
These are the actual issuing fields — including the mailing and physical addresses that appear on the bond. No credit check section, because this bond doesn't have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Tennessee home improvement contractor bond? +
Which counties require the home improvement license? +
When do I need a full contractor license instead? +
Is there a credit check? +
Can I use a letter of credit instead of a bond? +
Other New York bonds.
Your home improvement license is waiting on one document.
$300 flat, five-minute application, bond often issued in the same sitting. Free until issued.