Connecticutcontractor insurance & bonding requirements
Updated April 2026 · Source: CT DCP Home Improvement Contractor Act §20-418
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Connecticutcarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
CT uses a Guaranty Fund instead of per-contractor bonds; HIC registrants pay an annual fee.
Common questions
What insurance does a Connecticut general contractor need?
A Connecticut general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per CT DCP Home Improvement Contractor Act §20-418.
How much is the surety bond for Connecticut contractors?
Connecticut does not require a state-level surety bond for general contractors. CT uses a Guaranty Fund instead of per-contractor bonds; HIC registrants pay an annual fee.
Who is the licensing authority in Connecticut?
CT DCP Home Improvement Contractor Act §20-418 is the authority for Connecticut contractor oversight. Public license lookup is available at https://portal.ct.gov/DCP/Occupational-and-Professional-Licensing-Division.
How does AskBaily verify contractors in Connecticut?
AskBaily runs automated verification against CT DCP Home Improvement Contractor Act §20-418 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Connecticut can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under CT DCP Home Improvement Contractor Act §20-418. That's why AskBaily's policy is to match only verified pros.
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