Bond and insurance by trade in Georgia
Bond and insurance rules for electrical, plumbing and HVAC: check with State Construction Industry Licensing Board, State Construction Industry Licensing Board, State Construction Industry Licensing Board.
How much is the contractor bond in Georgia?
No bond is required for the General Contractor licenses (they prove net worth and insurance). Residential-Basic and Residential-Light Commercial applicants show financial responsibility with $25,000 net worth, or a bank credit reference form, or a $25,000 surety bond, line of credit letter or letter of credit. Net worth: General Contractor $150,000; Limited Tier $25,000.1
What general liability insurance does Georgia require?
General liability per occurrence: Residential-Basic $300,000; Residential-Light Commercial $500,000; General Contractor $500,000; Limited Tier $500,000. Insurance is a condition of applying and renewing.2
Can a Georgia contractor be exempt from workers' comp?
Workers' compensation insurance is required only if the contractor has 3 or more employees in Georgia.2
What is a certificate of insurance?
It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one
Sources
- State Licensing Board for Residential and General Contractors (SOS): bond (sos.ga.gov, 2026-10-27)
- State Licensing Board for Residential and General Contractors (SOS): insurance (sos.ga.gov, 2026-10-27)