Contractor License Bond in Missouri

What this bond requires in Missouri

Missouri has no statewide general contractor license or bond. Specialty trades are regulated piecemeal: the statewide electrical contractor license requires $500,000 in liability insurance but defers bonding to each political subdivision where the contractor works. General contracting, roofing, and most other trades are regulated at the municipal/county level, where bond amounts and forms vary widely ($5,000-$25,000 in cities like St. Louis, Kansas City, and Springfield).

Who requires it

The contractor license bond is required by the Missouri Division of Professional Registration (statewide electrical); local municipalities for general contracting under RSMo 324.900-324.945; no statewide GC statute.

How to file in Missouri

Because Missouri does not issue a statewide GC license or bond, contractors must apply for licensure and post bonds with each city or county where they perform work. Statewide electrical contractor applicants apply through the Missouri Division of Professional Registration and submit proof of any locally required bonds with their statewide application; the state itself does not collect a bond.

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FAQ

Common questions

Is a contractor license bond required in Missouri?

No statewide contractor bond. Missouri does not license general contractors at the state level. Statewide electrical contractors (RSMo 324.920) must post bonds with each political subdivision where they work.

How much is the bond in Missouri?

Missouri does not publish a single flat amount. See the state-specific notes for how it is determined.

Who requires the bond?

The bond is required by the Missouri Division of Professional Registration (statewide electrical); local municipalities for general contracting.

How is the bond filed?

Because Missouri does not issue a statewide GC license or bond, contractors must apply for licensure and post bonds with each city or county where they perform work. Statewide electrical contractor applicants apply through the Missouri Division of Professional Registration and submit proof of any locally required bonds with their statewide application; the state itself does not collect a bond.

What does the bond cover?

Surety bonds protect the obligee, not the principal. If you fail to meet the obligation the bond guarantees, the surety pays the claim and recovers from you.

Is a surety bond the same as insurance?

No. Insurance protects you. A surety bond protects whoever required the bond. You repay the surety for any claim they pay.