North Carolina Contractor InsuranceGet Licensed & Insured in The Tar Heel State
Complete North Carolina contractor insurance solutions with NCLBGC compliance, competitive rates, and comprehensive coverage for all license types.
From Charlotte to Asheville, we protect contractors across all 100 counties in North Carolina.
North Carolina Contractor Licensing & Insurance Requirements
Everything you need to know about NCLBGC licensing and mandatory insurance coverage
License Types Available
General Contractor
Unlimited project value
Building Contractor
Limited to specific project types
Residential Building
Residential construction only
Electrical Contractor
Electrical installation & repair
Plumbing Contractor
Plumbing systems installation
HVAC Contractor
Heating, ventilation & AC systems
Licensing Application Process
Meet Experience Requirements
Demonstrate required years of experience in your trade
Complete Application
Submit NCLBGC application with all required documentation
Pass Examination
Successfully complete the trade-specific licensing exam
Obtain Insurance & Bond
Secure required general liability insurance and surety bond
Pay License Fees
Submit required licensing fees to NCLBGC
License Issued
Receive your North Carolina contractor license
Required Insurance Coverage
General Liability Insurance
- Minimum $300,000 per occurrence
- Required for all license types
- Covers bodily injury & property damage
- Must be maintained continuously
Additional Coverage
- Workers' Compensation (3+ employees)
- Commercial Auto Insurance
- Surety Bond (varies by license)
- Professional Liability (recommended)
North Carolina Contractor Insurance FAQs
Get answers to common questions about North Carolina contractor licensing, insurance requirements, and coverage options.
Still have questions about North Carolina contractor insurance?
Call Our North Carolina Experts: (800) 688-1984Get Your North Carolina Contractor Insurance Quote
Expert agents ready to help with NCLBGC compliance and competitive rates
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North Carolina Coverage Areas:
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Why Choose Us for North Carolina?
- NCLBGC compliance expertise
- All NC license types covered
- Competitive rates statewide
- Same-day certificates available
Featured North Carolina Insurance Guides
Essential insurance information specifically for North Carolina contractors
Workers Compensation Complete Guide
Comprehensive guide to workers compensation insurance including North Carolina Industrial Commission requirements.
Commercial Auto Insurance for Contractors
Essential commercial auto insurance coverage for contractors including North Carolina minimum requirements.
Professional Liability Insurance for Contractors
Complete guide to professional liability insurance coverage for North Carolina contractors and construction professionals.