North Carolina Contractor InsuranceGet Licensed & Insured in The Tar Heel State
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From Charlotte to Asheville, we protect contractors across all 100 counties in North Carolina.
North Carolina Contractor Insurance Guide
Quick Answers for North Carolina Contractors
License Required?
Yes, North Carolina requires contractor licensing through NCLBGC for most construction work over $30,000.
Insurance Requirements
General liability ($600K minimum), workers' compensation (if employees), and surety bond ($20K-$100K) required.
Business Formation
LLC formation in NC costs $125 filing fee. Optional registered agent service available statewide.
North Carolina Construction Industry Overview
North Carolina Contractor Setup Costs
Licensing Costs
Insurance Costs
Required Insurance Coverage Types
General Liability
- • $600K minimum limits required
- • Bodily injury protection
- • Property damage coverage
- • Personal & advertising injury
- • Products/completed operations
Workers' Compensation
- • Required if you have employees
- • Medical expense coverage
- • Lost wage replacement
- • No sole proprietor exemption
- • Strict penalties for non-compliance
Surety Bonding
- • $20K-$100K license bond
- • Protects consumers
- • Required for license approval
- • Performance bonds for projects
- • Payment bonds as required
North Carolina Licensing Requirements
General Contractor License
License Classes
- • Unlimited - No project limits
- • Limited - Up to $500K projects
- • Intermediate - Up to $75K projects
Experience Requirements
- • 3+ years verifiable experience
- • Trade-specific experience
- • Responsible person designation
Specialty Trade Licenses
Common Trade Classifications
- • Electrical Contractor
- • Plumbing Contractor
- • HVAC Contractor
- • Roofing Contractor
- • Concrete Contractor
License Requirements
- • Pass trade-specific exam
- • Meet experience requirements
- • Maintain continuing education
North Carolina Business Formation Guide
LLC Formation Process
Choose Business Name
Check name availability with NC Secretary of State
File Articles of Organization
Submit Articles with $125 filing fee to NC Secretary of State
Obtain EIN
Apply for Federal Employer Identification Number with IRS
Operating Agreement
Draft LLC operating agreement (recommended but not required)
Entity Type Comparison
Limited Liability Company (LLC)
- • Personal asset protection
- • Tax flexibility
- • Simple management structure
- • $125 filing fee
Corporation
- • Strong asset protection
- • Investment opportunities
- • More complex requirements
- • $125 filing fee
Sole Proprietorship
- • Simple and inexpensive
- • No asset protection
- • Personal liability exposure
- • Not recommended for contractors
Major County Requirements
Mecklenburg County (Charlotte)
- • Additional local permits required
- • Higher insurance limits for some projects
- • Specific bonding requirements
- • Regular license verification
Wake County (Raleigh)
- • Building permits through county
- • Trade-specific requirements
- • Certificate of insurance required
- • Annual license renewals
Guilford County (Greensboro)
- • Municipal licensing requirements
- • Insurance verification process
- • Bonding for larger projects
- • Regular compliance checks
Essential North Carolina Resources
Government Agencies
Professional Associations
Carolinas AGC
Associated General Contractors chapter
NC Home Builders Association
Residential construction professionals
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.
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Why Choose Us for North Carolina?
- NCLBGC compliance expertise
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Featured North Carolina Insurance Guides
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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.