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District of Columbia home improvement contractor bonds.
$438 flat.

The District requires a $25,000 home improvement contractor bond, filed with DLCP under 16 DCMR § 800 et seq., before you can be licensed to do residential improvement work. We write it at a flat $438 with one soft credit pull — same price for every contractor.

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Required for your DC home improvement contractor license — under 16 DCMR § 800 et seq.
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$25,000 bond protects homeowners — funds pay a homeowner who wins a judgment against the contractor
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Soft credit pull only — never affects your score, and the price stays $438 either way
$438flat premiumSoft pullnever affects your scoreFastinstant underwriting for most
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
How it works

Three steps to licensed.

Your DLCP home improvement license is waiting on this bond. Here's the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. The only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The soft credit pull never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with DLCP

Pay online and receive the executed $25,000 bond ready to file with your home improvement contractor license. Wet-ink originals mailed whenever DLCP insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

The District requires anyone performing home improvement work — repairs, alterations, or improvements to residential property — to be a licensed home improvement contractor through DLCP, and to post a $25,000 surety bond under the home improvement regulations at 16 DCMR § 800 et seq.

The bond is a consumer-protection guarantee for homeowners. Under 16 DCMR § 802, the bond can be used to pay a homeowner who has obtained a judgment against the licensed contractor for a violation of the licensing laws that caused a monetary loss. It is a three-party arrangement — you, the surety, and the District for the benefit of your customers.

It is not insurance for you — if the surety pays a homeowner's claim, you repay the surety. We run a single soft credit pull to set up the bond; it never affects your score, and the price is $438 flat either way — credit affects whether we approve the bond, never what it costs.

16 DCMR § 800 et seq. (Home Improvement; § 802 bond)DC home improvement contractors are licensed by the Department of Licensing and Consumer Protection under 16 DCMR § 800 et seq., which requires a $25,000 surety bond. Under 16 DCMR § 802, funds from the bond may be used to pay a homeowner who has obtained a judgment against the licensed contractor for a violation of the licensing laws that resulted in a monetary loss. Confirm the amount on your DLCP application.

You need this bond if you're

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Applying for a DC home improvement contractor license — through DLCP
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Doing residential repairs or remodels — kitchens, baths, roofing, additions, finishes
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Renewing your home improvement license and your current bond is expiring or non-renewing
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A salesperson or firm the District ties to the home improvement bond requirement

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →
FAQ

Common questions.

How much is the DC home improvement contractor bond?The premium is $438 flat — set by our carrier's rate book for the $25,000 bond DLCP requires, not a percentage. Same price for every contractor, subject to a soft credit pull that never affects your score.
Do I pay the $25,000?No. You pay $438. The $25,000 is the surety's maximum exposure to homeowners who win a judgment against you — not a deposit, and nobody holds your money.
What does the bond protect?Homeowners. Under 16 DCMR § 802, the bond can pay a homeowner who has obtained a judgment against the licensed contractor for a violation of the licensing laws that caused a monetary loss. If the surety pays, you repay the surety.
Is there a credit check?Yes — one soft credit pull, which never affects your score. It's the only extra step beyond the application, and it informs approval, not price. The price stays $438 flat either way: credit can affect whether we approve the bond, never what it costs.
When does it renew?The home improvement bond runs with your license, typically a two-year term. You will get renewal notices 60 and 30 days before expiration, with autopay available, and the bond must stay active for your license to stay valid.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
Related bonds

Other District of Columbia bonds.

DLCP is waiting on one document.

$438 flat for the $25,000 bond, short application; the bond is issued when you pay. Free until issued.

Your price$438
Apply now →