North Dakotacontractor insurance & bonding requirements
Updated April 2026 · Source: ND Secretary of State Contractor Licensing
Minimum requirements
- General liability
- $300,000
- Workers' comp
- Required for crews
Licensed general contractors in North Dakotacarry 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.
Statewide registration; no bond.
Common questions
What insurance does a North Dakota general contractor need?
A North Dakota general contractor needs at minimum $300,000 general liability coverage. Workers' compensation insurance is required for crews. Per ND Secretary of State Contractor Licensing.
How much is the surety bond for North Dakota contractors?
North Dakota does not require a state-level surety bond for general contractors. Statewide registration; no bond.
Who is the licensing authority in North Dakota?
ND Secretary of State Contractor Licensing is the authority for North Dakota contractor oversight. Public license lookup is available at https://sos.nd.gov/business/contractor-licensing.html.
How does AskBaily verify contractors in North Dakota?
AskBaily runs automated verification against ND Secretary of State Contractor Licensing 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 North Dakota can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under ND Secretary of State Contractor Licensing. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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