Connecticut Contractor License Bond

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What is a Connecticut contractor license bond?

Many jurisdictions of Connecticut require those seeking a contractor’s license to obtain a contractor license bond. Counties and cities that may require a license bond include:

Bonds are required for many types of contractors – drain, excavation, right of way, sewer, sidewalk, etc. Connecticut doesn’t require contractors to obtain a surety bond at the state level, so local licensing authorities determine bond requirements and amounts. 

A bond safeguards a contractor’s customers against potential actions done by the contractor over the course of the project. The contractor’s business is the principal that needs the bonding. The authority requiring the bond is the obligee, and the third party is the surety that provides the bond.

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Connecticut Contractor License Bond Requirements

Depending on the city or county and the type of contractor work, contractor license bond amounts may range from $5,000 to $10,000 in Connecticut. If a contractor is unsure of the required bond amount for their specific license, they should contact their local licensing bureau.

The contractor will pay a bond premium based primarily on personal credit score. Contractors with a good credit score may expect to pay 1%-3% of the bond amount. Personal and business financials, assets, and professional experience may also play a part in determining the premium rate.

Frequently Asked Questions

If you have a poor credit score, you may still be able to get bonded. However, you may pay a higher percentage of the bond amount for your premium. Contractor license bond rates for those with poor credit in Connecticut are typically around 5%-10%, given the higher bonding risk.

Contractors in Connecticut must comply with state and local laws and complete work in a timely and professional manner. A claim indicates that the customer believes there has been a breach in one of these agreements. If the claim is approved, the surety may provide initial compensation. However, the contractor will ultimately be responsible for covering any claim by repaying the surety. 

It is much less costly and time-consuming for a contractor to comply with the bond agreement and answer any valid complaints before they become bond claims.

Get Your Contractor License Bond in Connecticut

ZipBonds offers the fastest and most secure option for getting bonded. Our all-digital platform is intuitive and straightforward. Apply online, email or call 888.435.4191 to speak with an agent directly.



Founders Ryan Swalve and Zach Mefferd formed the vision for when they realized how overly complicated it was to help clients place surety. The frustration of being unable to incorporate the technology they’d used in other insurance-focused projects left them thinking “there has to be a better way.”

Fast forward a couple of years, and that better way is the impetus of everything we do at ZipBonds. We constantly look for innovative ways to improve the bonding process for our clients and agents. Our team comprises individuals who understand all angles of surety – for companies, agencies, and individuals. Incorporating everyone’s point of view to improve the process while simultaneously integrating cutting-edge technology is what sets our business apart.