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

Rhode Island does not require a surety bond to register as a contractor.1 You must carry public liability and property damage insurance of at least $500,000 combined single limit, and give the board proof of it at registration and at each renewal.2

Bond and insurance by trade in Rhode Island

TradeBondInsuranceWorkers' comp
General contractorRhode Island does not require a surety bond to register as a contractor.1You must carry public liability and property damage insurance of at least $500,000 combined single limit, and give the board proof of it at registration and at each renewal.2You must carry workers' compensation insurance as required under chapter 29 of title 28 of the General Laws, and show the board evidence of it at registration and renewal.2

Bond and insurance rules for electrical, plumbing, HVAC and roofing: check with RI DBR, RI Contractors' Registration and Licensing Board (CRB).

How much is the contractor bond in Rhode Island?

Rhode Island does not require a surety bond to register as a contractor; the law requires insurance instead.1

What general liability insurance does Rhode Island require?

You must carry public liability and property damage insurance of at least $500,000 combined single limit, and give the board proof of it at registration and at each renewal. A lapse in coverage invalidates the registration.2

Can a Rhode Island contractor be exempt from workers' comp?

You must carry workers' compensation insurance as required under chapter 29 of title 28 of the General Laws, and show the board evidence of it at registration and renewal.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

  1. RI Contractors' Registration and Licensing Board (CRB): bond (webserver.rilegislature.gov, 2026-10-27)
  2. RI Contractors' Registration and Licensing Board (CRB): insurance (webserver.rilegislature.gov, 2026-10-27)