Tennesseecontractor insurance & bonding requirements
Updated April 2026 · Source: TN Board for Licensing Contractors TCA §62-6
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Tennesseecarry 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.
Licensed GC required for projects ≥$25K. Monetary limit tiered by financial statement.
Common questions
What insurance does a Tennessee general contractor need?
A Tennessee general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per TN Board for Licensing Contractors TCA §62-6.
How much is the surety bond for Tennessee contractors?
Tennessee does not require a state-level surety bond for general contractors. Licensed GC required for projects ≥$25K. Monetary limit tiered by financial statement.
Who is the licensing authority in Tennessee?
TN Board for Licensing Contractors TCA §62-6 is the authority for Tennessee contractor oversight. Public license lookup is available at https://www.tn.gov/commerce/regboards/contractor.html.
How does AskBaily verify contractors in Tennessee?
AskBaily runs automated verification against TN Board for Licensing Contractors TCA §62-6 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 Tennessee can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under TN Board for Licensing Contractors TCA §62-6. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Tennessee
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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