White Bear Lake, MN Contractor Bonds

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Who needs a contractor license bond in White Bear Lake?

Contractors in White Bear Lake are subject to a mix of local and state licensing requirements.  Mechanical contractors, general commercial contractors, and tree trimmers must obtain an annual city license. Additionally, the following contractor must post a bond:

  • Mechanical (Residential and Commercial) Contractors: $25,000 mechanical bond, filed with the Department of Labor and Industry (DLI)
  • Plumbing (Residential) Contractors: If performing gas piping, a contractor must acquire a $25,000 plumbing contractor surety bond, filed with DLI
  • Sewer and Water (Residential and Commercial) Contractors: Those who install subsurface sewage treatment systems (SSTSs) must file a $25,000 pipe laying surety bond with the Minnesota Pollution Control Agency (MPCA). Note that DLI no longer handles this bond. Contractors installing building water and sewer piping, but don’t work on SSTSs, must have a $25,000 pipe-laying bond with DLI. 

Not sure about where to start? Call ZipBonds at (888) 435-4191, and we’ll gladly walk you through the process. You can also check out our page on contractor license bonds in Minnesota for statewide contractor requirements.

Get Your White Bear Lake Contractor License Bond:

How does a contractor license bond work?

A contractor license bond ensures that contractors fulfill all obligations to clients and follow the standards and regulations set by the obligee (White Bear Lake). If a contractor’s work is faulty or insufficient, clients can submit a claim to receive compensation for damages. The surety initially pays out approved claims, but contractors must later repay them up to the full bond amount. 

You don’t have to pay the full bond to obtain your contractor license bond. Instead, you’ll pay a premium, which is a small percentage of the bond. ZipBonds offers many contractor bonds for just $100 and can issue them instantly – without pulling credit information.

Frequently Asked Questions

In most cases, you will only need one contractor license bond. The requirements set forth by a municipality usually cover what you need to work in that city or county. However, you may also need a state bond in some situations. Read municipality requirements carefully to ensure you’re operating legally.

Typically, a bond is active for one year and must be renewed annually by a specific date. Renew your bond by the date listed on your bond form each year to maintain compliance in your area.

Apply for Your Contractor Bond in White Bear Lake, MN

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


About ZipBonds.com

Founders Ryan Swalve and Zach Mefferd formed the vision for ZipBonds.com 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.