Singaporecontractor insurance & bonding requirements
Updated April 2026 · Source: BCA CRS + Work Injury Compensation Act
Minimum requirements
- General liability
- $1,500,000
- Auto liability
- $750,000
- Workers' comp
- Required for crews
Licensed general contractors in Singaporecarry 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.
WICA coverage mandatory. BCA grades L1-L6 set tender-limit ceilings.
Common questions
What insurance does a Singapore general contractor need?
A Singapore general contractor needs at minimum $1,500,000 general liability coverage plus $750,000 auto liability. Workers' compensation insurance is required for crews. Per BCA CRS + Work Injury Compensation Act.
How much is the surety bond for Singapore contractors?
Singapore does not require a state-level surety bond for general contractors. WICA coverage mandatory. BCA grades L1-L6 set tender-limit ceilings.
Who is the licensing authority in Singapore?
BCA CRS + Work Injury Compensation Act is the authority for Singapore contractor oversight. Public license lookup is available at https://www1.bca.gov.sg/.
How does AskBaily verify contractors in Singapore?
AskBaily runs automated verification against BCA CRS + Work Injury Compensation Act 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 Singapore can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under BCA CRS + Work Injury Compensation Act. That's why AskBaily's policy is to match only verified pros.
AskBaily cities in Singapore
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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