Louisianacontractor insurance & bonding requirements
Updated April 2026 · Source: LA State Licensing Board for Contractors §37:2150
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Louisianacarry 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.
Residential Building Contractor License required for projects ≥$75K. No bond at state level.
Common questions
What insurance does a Louisiana general contractor need?
A Louisiana general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per LA State Licensing Board for Contractors §37:2150.
How much is the surety bond for Louisiana contractors?
Louisiana does not require a state-level surety bond for general contractors. Residential Building Contractor License required for projects ≥$75K. No bond at state level.
Who is the licensing authority in Louisiana?
LA State Licensing Board for Contractors §37:2150 is the authority for Louisiana contractor oversight. Public license lookup is available at https://www.lslbc.louisiana.gov/.
How does AskBaily verify contractors in Louisiana?
AskBaily runs automated verification against LA State Licensing Board for Contractors §37:2150 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 Louisiana can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under LA State Licensing Board for Contractors §37:2150. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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