Pennsylvaniacontractor insurance & bonding requirements
Updated April 2026 · Source: PA Attorney General Home Improvement Consumer Protection Act 73 P.S. §517.1
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Pennsylvaniacarry 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.
HICPA registration with AG. $500K GL minimum. No bond required.
Common questions
What insurance does a Pennsylvania general contractor need?
A Pennsylvania general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per PA Attorney General Home Improvement Consumer Protection Act 73 P.S. §517.1.
How much is the surety bond for Pennsylvania contractors?
Pennsylvania does not require a state-level surety bond for general contractors. HICPA registration with AG. $500K GL minimum. No bond required.
Who is the licensing authority in Pennsylvania?
PA Attorney General Home Improvement Consumer Protection Act 73 P.S. §517.1 is the authority for Pennsylvania contractor oversight. Public license lookup is available at https://www.attorneygeneral.gov/submit-a-complaint/hicpa/.
How does AskBaily verify contractors in Pennsylvania?
AskBaily runs automated verification against PA Attorney General Home Improvement Consumer Protection Act 73 P.S. §517.1 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 Pennsylvania can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under PA Attorney General Home Improvement Consumer Protection Act 73 P.S. §517.1. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Pennsylvania
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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