Massachusettscontractor insurance & bonding requirements

A Massachusetts general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per MA Office of Consumer Affairs — HIC Registration 780 CMR 110.

Massachusetts does not require a state-level surety bond for general contractors. Home Improvement Contractor (HIC) registration required. Guaranty Fund in lieu of bond (annual $150 contribution).

MA Office of Consumer Affairs — HIC Registration 780 CMR 110 is the authority for Massachusetts contractor oversight. Public license lookup is available at https://www.mass.gov/orgs/office-of-consumer-affairs-and-business-regulation.

AskBaily runs automated verification against MA Office of Consumer Affairs — HIC Registration 780 CMR 110 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.

Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Massachusetts can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under MA Office of Consumer Affairs — HIC Registration 780 CMR 110. That's why AskBaily's policy is to match only verified pros.