Maryland Home Improvement Contractor License – The MHIC Contractor License process through the Maryland Home Improvement Commission is modified from time to time. Below, you will find the basic process as of December 2016.
Download the PSI MHIC Candidate Bulletin. You can download it directly below, or get it from the PSIExams.com website. Please make sure you have the latest version.
Maryland Home Improvement Contractor License
You need to verify at least two years of experience to sit for the MHIC Exam. Focus on filling out and sending to PSI pages numbered 8, 9, and 10 of this Candidate Bulletin.
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You need to have this pre-approval BEFORE registering for our MHIC Exam Prep class as it can take anywhere from three (3) days to several weeks.
After passing the MHIC Contractor License Exam, PSI, the test administrator, will send you the MHIC Contractor License application.
Step 4: Submit the Complete MHIC Contractor License Application W/Any Supporting Documentation and Payment to the Maryland Home Improvement Commission.
The state of Maryland requires a license to work as a residential home improvement contractor and to sell these services. Additional information can be found below citing the types of work or projects that generally require a Maryland Home Improvement License (MHIC License) issued through the Maryland Home Improvement Commission.
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(If you have additional questions about the application process, we recommend you visit the Maryland Department of Labor and Licensing website.(DLLR).
(If you have any additional questions regarding registration and exam scheduling, we recommend you visit the PSI website.)
Residential Home Improvement Contractor. With a Maryland home improvement license a contractor can contract directly with the homeowner, sell services and can even work as a subcontractor.
Subcontractors. Important Notice – Maryland Senate Bill 285 Eliminates the Subcontractor Licensing Category. As a result of the passage of Senate Bill 285, the Maryland Home Improvement Commission will eliminate the Subcontractor License category effective July 1, 2016. All application, examination and renewal requirements will be eliminated.
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As of July 1, 2016, home improvement subcontractors may work without a license when performing home improvements for MHIC-licensed contractors in the State of Maryland. The law continues to provide that only MHIC-licensed contractors can enter into contracts with homeowners to perform home improvement work.
Salesman. To apply for a sales license, the individual must submit to the Commission a written notice signed by the contractor with a Maryland Contractor’s license and the sales license applicant confirming the employment or other contractual relationship between the licensed salesperson and the contractor.
Our company would like to know what are the requirements for a general contactor to obtain a license in the state of MD. Is there an application/testing process?
Yes, every individual who wants to obtain an MHIC license as a contractor, subcontractor or salesperson must register to take the license exam. After passing the exam, the individual receives a license application package. The exam is administered by PSI Exams, Inc. For more information about exam registration, please visit the PSI Exams website and follow the link to the Maryland Home Improvement Commission Candidate Information Bulletin.
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It is an open book exam, which means that you can pass the reference material with you during the exam.
Important: If you fail the licensing exam, there is a 21-day waiting period before the individual is eligible to retake the test; each subsequent retest requires a 60-day waiting period.
For these reasons and more many savvy contractors decide to take our Maryland Home Improvement Contractor License Exam Prep Course (MHIC).
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VA Contractor License Contractor Technical Expertise (BLD) (Now known as Residential Building Contractor Preparation Course (RBC)) This guide provides information for insurance agents to assist Home Improvement Contractors regarding the Maryland Home Improvement Contractor Bond
Maryland Statute 09.08.01.03 requires home improvement contractors operating in the state to obtain a license with the Maryland Home Improvement Commission. The Maryland legislature enacted licensing laws and regulations to ensure contractors engage in ethical business practices. To provide financial security for license enforcement, contractors who do not meet the commission’s financial solvency requirements must obtain an indemnifier or purchase and maintain a $20,000 home improvement contractor surety bond to qualify for a license.
Maryland requires contractors to purchase a Home Improvement Contractor’s Bond as part of the application process for a home improvement contractor’s license. The bond ensures that the public will receive compensation for financial losses if contractors fail to comply with licensing laws. Simply put, a bond is a type of insurance that protects the public if a contractor violates licensing laws.
Makes it easy to get a Maryland Home Improvement Contractor Bond. Simply log into your account and use our keyword search to find “contractor” bonds in our database. No login? Get access now and let us help you meet your customers’ needs. Our friendly underwriting staff is available by phone (800) 438-1162 , email or chat from 7:30 AM to 7:00 PM EST to assist you.
Do You Need To Get A Home Improvement Contractor License?
At , our 40 years of experience, leading technology and access to the market ensure we have the knowledge and resources to provide your clients with fast and friendly service whether it’s getting a quote or issuing a bond.
Maryland requires home improvement contractors to have a personal net worth (assets minus liabilities) of at least $20,000. MHIGF guarantees payouts of up to $20,000 for all consumers defrauded by home improvement contractors. Contractors who do not meet the net worth requirement must purchase a $20,000 Home Improvement Contractor bond to qualify for a license.
The surety company will conduct a credit check on the contractor to determine eligibility and pricing for the Maryland Home Improvement Contractor Bond. Contractors with excellent credit and work experience can expect to receive the best rates. Contractors with poor credit may be rejected by some guarantor companies or pay higher rates. A credit check is a “soft hit”, meaning a credit check will not affect the contractor’s credit.
A Maryland Home Improvement Contractor Surety Bond can cost anywhere from $360 to $2,000 for two years or $18 to $100 per month. Insurance companies determine rates based on a number of factors including your credit score and customer experience. We also offer easy interest-free financing for premiums over $500. The chart below offers a quick reference for bond cost estimates on a $20,000 bond requirement.
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*The credit score range does not include other factors that may cause changes to the annual premium offered to your customers, including but not limited to, years of experience and the underlying credit factors contained in the business owner’s credit report.
To paraphrase Maryland Code Business Rule 8–101(g)(1), a home improvement contractor is any individual or business entity that alters, changes, improves, modernizes, modifies, repairs or replaces a building or part of a building.
Now offers pay-as-you-go subscriptions for surety bonds. Your customers can buy their bonds every month and cancel them at any time. Learn more here.
Contractors in Maryland must navigate several steps to obtain their home improvement contractor license. Below are general guidelines, but contractors should refer to the application checklist for details on the process.
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License Duration – A Maryland home improvement contractor license is valid for two years from the date of issuance and must be renewed before the expiration date.
Contractors must obtain two years of work experience or education in a field related to home improvement contracting before applying for a license
Before applying for a license, contractors must pass the licensing exam with a score of at least 70%.
Contractors who do not meet the financial solvency requirement ($20,000 personal net worth) must purchase and maintain a $20,000 home improvement contractor surety bond
Maryland Contractor License Bonds
All fees can be paid online here. The following fees must be paid when applying for a home improvement contractor license:
Contractors can renew their licenses online through Maryland’s online renewal portal. A Maryland home improvement contractor license is valid for two years from the date of issuance and must be renewed before the expiration date.
The State of Maryland requires home improvement contractors to obtain general liability insurance with a minimum limit of $50,000. Additionally, contractors who do not meet the financial solvency requirement ($20,000 personal net worth) must purchase and maintain a $20,000 home improvement contractor surety bond
Home Improvement Contractor surety bonds require signatures from both the surety company and the contractor. The surety company must enter the following information on the bond form:
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To avoid claims against Maryland Home Improvement Contractor Bonds, contractors must follow all licensing regulations, including some of the most important issues below that tend to lead to claims.
Maryland requires home improvement contractors to obtain liability insurance. Bonds are our only business at , so we do not issue liability insurance, but our agents often use brokers for this particular line of business. A list of brokers in this space can be found
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