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Pennsylvania Contractor Insurance

Get licensed and insured in Pennsylvania with HIC registration support, competitive rates, and expert compliance guidance.

13.0M
Population
$900B
GDP
250K+
Construction Workers
67 Counties
Service Areas

Pennsylvania HIC Registration Requirements

Essential requirements for Pennsylvania Home Improvement Contractors

Registration Required

All residential improvement work over $5,000 requires HIC registration

$20,000 Bond

Surety bond must be maintained throughout registration period

$50,000 Insurance

Minimum general liability insurance required for registration

Contract Requirements

Specific contract language and 3-day cancellation period required

Pennsylvania Contractor Insurance Coverage

Essential coverage types for Pennsylvania contractors

General Liability Insurance

Required for HIC registration and most work

$50,000 - $1,000,000
  • Bodily injury and property damage coverage
  • Products and completed operations
  • HIC registration requirement compliance
  • Contractual liability protection

Workers Compensation

Mandatory for all employees in Pennsylvania

Statutory limits
  • Medical expenses for injured workers
  • Lost wage replacement benefits
  • Death benefits for families
  • No exemptions for construction officers

Surety Bonds

Required for HIC registration

$20,000
  • Home Improvement Contractor bond
  • Consumer protection coverage
  • Required for work over $5,000
  • Must remain active during registration

Pennsylvania Contractor License Requirements

Insurance and bond requirements by license type

Home Improvement Contractor (HIC)

Residential work over $5,000

Authority
PA Attorney General
Required Bond
$20,000
Min Insurance
$50,000 GL

Municipal Building Permits

Local construction permits

Authority
Local building departments
Required Bond
Varies by municipality
Min Insurance
Per local requirements

Electrical Contractor

Electrical installation and repair

Authority
State licensing board
Required Bond
Varies by location
Min Insurance
$300,000+ GL

Plumbing Contractor

Plumbing installation and repair

Authority
State licensing board
Required Bond
Varies by location
Min Insurance
$300,000+ GL

HVAC Contractor

HVAC installation and repair

Authority
State licensing board
Required Bond
Varies by location
Min Insurance
$300,000+ GL

We Serve All of Pennsylvania

Licensed to write contractor insurance throughout the Keystone State

Philadelphia
Pittsburgh
Allentown
Erie
Reading
Scranton
Bethlehem
Lancaster
Harrisburg
Altoona

Why Choose CCA for Pennsylvania Insurance?

HIC Registration Expertise

Complete support for Pennsylvania HIC registration process

Compliance Support

Navigate PA regulations and municipal requirements

Competitive Rates

Access to multiple carriers for the best pricing

Fast Service

Quick quotes and efficient processing for urgent needs

Claims Support

Expert assistance throughout the claims process

Local Knowledge

Understanding of PA construction market and regulations

Ready to Get Licensed in Pennsylvania?

Get your Pennsylvania contractor insurance and HIC registration support. Fast quotes and expert service.