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State files updated Oct 27, 2026
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Kentucky contractor license bondInsurance and workers' comp

Kentucky does not require a surety bond for electrical licenses.1 An electrical contractor must carry general liability insurance of at least $1,000,000 and show proof of workers' compensation and unemployment insurance coverage, with the department named as certificate holder.2

Bond and insurance by trade in Kentucky

TradeBondInsuranceWorkers' comp
ElectricalKentucky does not require a surety bond for electrical licenses.1An electrical contractor must carry general liability insurance of at least $1,000,000 and show proof of workers' compensation and unemployment insurance coverage, with the department named as certificate holder.2Required.1
HVACAsk Dept of Housing, Buildings and Construction (DHBC)GL at least $500,000 and property damage at least $300,000 (carrier approved by KY Dept of Insurance).3Ask Dept of Housing, Buildings and Construction (DHBC)

Bond and insurance rules for plumbing: check with DHBC.

Can a Kentucky contractor be exempt from workers' comp?

Required. Show a workers' compensation certificate from an insurer approved by the Kentucky Department of Insurance, or a notarized statement explaining why you are not required to carry it.1

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

  1. DHBC: bond (apps.legislature.ky.gov, 2026-10-27)
  2. DHBC: insurance (apps.legislature.ky.gov, 2026-10-27)
  3. Dept of Housing, Buildings and Construction (DHBC): HVAC insurance (apps.legislature.ky.gov)