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New York Contractor License Bond Guide

If you're applying for a contractor's license in New York, you may need to purchase a surety bond to receive a local construction permit. Learn about the various bond requirements and bonding process in this guide.

Bond Overview

  • Purpose: To hold contractors financially liable for upholding local regulations and codes
  • Who Needs It: Contractors performing work in some New York cites and counties
  • Regulating Body: Various municipal government agencies in New York
  • Required Amounts: $1,000–$100,000, based on the license or permit type
  • Premium Rates: Typically $100–$1,000, based on the bond type and credit score

What Is a New York Contractor License Bond?

A New York contractor license bond is a financial guarantee that a contractor will:

  • Comply with state and local licensing laws 
  • Follow building codes 
  • Complete projects according to contract terms

This type of surety bond protects customers, vendors, suppliers and the state from financial harm if a contractor breaches their bond terms. The surety company will pay valid claims to harmed parties up to the full bond amount, which the contractor must then reimburse in full.

How Much Do New York Contractor Bonds Cost?

Most New York contractor license bonds cost $100 per year and are available for instant online purchase. Others require underwriting review to determine personalized pricing based on credit score and other risk factors. 


Coverage and pricing varies for New York contractor bonds, so find your bond below to get an exact rate. Some bonds may be eligible for a 25% multi-year discount as well as premium financing plans.

Bond Type
$20,000New York City Home Improvement Contractor Bond
$25,000Putnam County Electrical or Plumbing Contractor Bond
$25,000Putnam County Home Improvement Contractor Bond
$1,000-$25,000Suffolk County License and Permit Bond
$2,000Village of Roslyn Contractor Bond
$1,000-$100,000City of New York City Parks and Recreation Private Contractor Bond
$1,000-$20,000Rockland County Sewer Contractor Bond
$5,000Schenectady County Contractor Bond
$10,000Westchester County Plumbing Contractor Bond
$10,000City of Buffalo Heating Contractor Bond
$5,000Town of Binghamton Contractor Bond
$10,000Town of Clarkstown Sewer Contractor Excavation Bond
$10,000Town of North Hempstead Road Opening Permit Bond
$2,000Town of Hempstead Sewer Contractor Bond
$5,000Town of Hempstead Sewer & Drain Opening Bond
$20,000Town of Huntington Grading Permit BondUp to 5,000 cubic yards
$30,000Town of Huntington Grading Permit Bond5,001-15,000 cubic yards
$50,000Town of Huntington Grading Permit Bond15,001+ cubic yards
$10,000City of Kingston Contractor Bond
$50,000City of Newburgh Blasting Contractor Bond
$10,000Town of Newburgh Building Permit Bond
$10,000Town of Ramapo Sewer Contractor Bond
$1,000Village of Sleepy Hollow Contractor Bond
$10,000New York City Single Location Street Obstruction Permit Bond
$1,000-$100,000Suffolk County Water Authority Performance/Labor/Material Payment Bond
$2,000Town of Babylon License and Permit Bond
$5,000City of Amsterdam Electrician License Bond
$100,000New York City Street Obstruction Permit Bond (51-100 Locations)
$1,000-$25,000Rockland County Stream Control Act Permit Bond
$25,001-$100,000Rockland County Stream Control Act Permit Bond
$1,000-$50,000Suffolk County Highway Permit Bond
$1,000-$100,000Town & Village of Harrison Excavation and Soil Removal Bond
$10,000Drywall Taping Industry Board Wage Bond$0-$40,000 payroll
$20,000Drywall Taping Industry Board Wage Bond$40,000-$100,000 payroll
$30,000Drywall Taping Industry Board Wage BondOver $100,000 payroll

Don’t see the bond you need? Call 1 (800) 308-4358 for assistance.

Who Needs a New York Contractor Bond? 

New York contractor surety bond requirements are regulated at the local level, not statewide. If you're a contractor in one of the New York cities or counties listed in the menu above, you may need to file a bond to get a local contractors license or begin a project. 

If you work outside of New York, we also offer contractor license bonds nationwide.

Other Construction Bonds for Projects in New York

You may also need another type of contract bond for public construction projects in New York. These protect project owners from contractors who default or fail to uphold their contracts in any way. 

How to Get a New York Contractor Bond 

With SuretyBonds.com, you can get most New York contractor license bonds instantly online. Simply find the bond you need and enter your information. You’ll receive your official bond confirmation via email in minutes. 

Some New York contractor bonds require a quick application review to determine pricing. If so, apply online and a representative will contact you within one business day to discuss your quote. 

How Fast Can I Get My Bond?

SuretyBonds.com offers the fastest and easiest way to get contract bonds. You can purchase most New York contractor license bonds online 24/7 with instant digital delivery. If your obligee requires the original bond form with wet signatures, we offer an overnight shipping option. 

How to Get a Contractor License in New York 

New York contractor license requirements vary based on local guidelines but typically involve the following steps:

  • Fill out your local contractor license application.
  • Purchase and file the surety bond required for your location and contractor classification.
  • Purchase a general liability insurance policy.
  • Pay any applicable licensing fees.

For instructions on applying as a licensed contractor in a specific city or county, review the More Resources section below, or contact your local licensing authority.

More Resources

Call 1 (800) 308-4358 to talk with a Surety Expert

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