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Indiana Contractor Bonds Fast Approval

Get your surety bonds fast: license & permit bonds, bid & performance bonds, maintenance & warranty bonds, plus subdivision & site improvement bonds for Indiana contractors.

Indiana state flag with red diagonal cross - Indiana contractor bonds and licensing Female construction professional wearing hard hat and safety vest holding blueprints at Indiana construction site

Indiana contractors operate under local licensing through municipal building departments and the Indiana Professional Licensing Agency. The state requires contractors to obtain surety bonds as part of their licensing requirements, with bond amounts varying based on municipality, license classification, and project scope.

Indiana Surety Bond Requirements for Contractors

Municipal Bonding Requirements

  • Indiana does not require statewide contractor licensing—municipalities set their own bonding rules
  • Cities including Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Bloomington, Fishers, Hammond, and Muncie each establish their own bonding thresholds
  • Marion County, Lake County, Allen County, Hamilton County, and St. Joseph County require contractor bonds for local licensing and permitting
  • Indianapolis requires residential contractors to post a $25,000 surety bond with the Department of Business and Neighborhood Services for work exceeding $150
  • Most municipalities require bonds ranging from $5,000 to $50,000 to guarantee compliance with local building codes, payment of taxes, and quality workmanship

Specialty Trade Licensing 

  • Electrical, plumbing, HVAC, and roofing contractors must obtain licenses through the Indiana Professional Licensing Agency
  • Bonding requirements vary by trade and municipality
  • Check with your local building department for specific specialty trade bond requirements                    

Public Works Bonding

  • Performance and payment bonds required on contracts exceeding $150,000 under Indiana Code 36-1-12
  • Indiana Department of Transportation requires bid bonds, performance bonds, and payment bonds for state highway and infrastructure projects
  • Bonds must be issued through Treasury-certified surety companies
  • Most license bonds require only a credit check and basic business information for fast approval
  • Licensed agents understand local filing requirements across Indiana's 92 counties and can expedite your bond processing


Indiana Construction Bond Types

License & Permit Bonds

Required for Indiana contractor licensing in Indianapolis, Fort Wayne, Evansville, and other municipalities. Common for electricians, plumbers, roofers, HVAC, and general contractors regulated by local building departments and the Indiana Professional Licensing Agency.

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Bid, Performance & Payment Bonds

Used for public and private Indiana construction projects. Guarantees job completion, payment to subcontractors and suppliers on Indiana contracts for INDOT and municipal projects.

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Maintenance & Warranty Bonds

Covers defects or workmanship issues after project completion. Often required on public works contracts throughout Indiana.

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Subdivision & Site Improvement 

Land development projects in Indiana. Guarantees roads, sidewalks, utilities and site improvements for municipalities and developers.

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Specialty Contractor Bonds

Covers niche trades or compliance in Indiana (e.g., HVAC, plumbing, electrical, roofing). May include prevailing wage bonds or union deposit requirements for Indiana projects.

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How to Get Bonded in Indiana

Get instant pricing

Get pricing instantly based on your requirements, without sharing your email or personal details.

Apply online

Complete a short application for your bond. Most contractors finish in just a few minutes. Fast approval process.

Bond issued

When approved, bond issued instantly if qualified. Download your bond within minutes of approval. Get bonded fast and start working.

Grow Your Business with Our Indiana Contractor Support Services

Free Single-Page Website for Small Contractors

Don't have a website? We'll build you a custom, professional single-page website for your Indiana contracting business at no cost. Showcase your services, contact info, and credentials to win more jobs across Indiana.

Get Listed in Our Contractor Directory

Register your Indiana business in our contractor directory and receive referrals from general contractors, subcontractors, and licensed professionals looking for the services you provide in Indianapolis, Fort Wayne, Evansville, and throughout the state.

Free Business Growth Coaching

Want to grow your Indiana contracting business? Our owner is a licensed general contractor who understands your challenges. Get free one-on-one coaching on marketing, bidding, and scaling your business in Indiana's competitive market.

Exclusive Consumer Lead Referrals

As a licensed NASCLA-qualified GC, we understand your business. We own and operate multiple lead generation websites and refer qualified consumer leads directly to Indiana contractors in your specialty trade.

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Indiana Contractor Bonds by County

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Frequently Asked Questions About Indiana Contractor Bonds

Get answers to common questions about contractor bonding requirements, costs, and processes for Indiana construction professionals.

Q: ​​Do I need a contractor bond in Indiana?

A: Indiana does not require statewide contractor licensing, but many municipalities and counties require local contractor bonds. Cities including Indianapolis, Fort Wayne, Evansville, South Bend, and Carmel each set their own bonding requirements. Public works projects also require performance and payment bonds. Check with your local building department for specific requirements.

Q: ​​How much does an Indiana contractor license bond cost?

A: Indiana contractor bond costs typically range from $100 to $500 annually for bonds under $25,000, depending on your credit score and bond amount. Indianapolis requires a $25,000 bond for residential contractors. Contractors with good credit typically pay 1-3% of the bond amount as their annual premium.

Q: ​​What is the bond amount required for Indiana contractors?

A: Bond amounts in Indiana vary by municipality. Indianapolis requires a $25,000 bond for residential contractors. Many counties require bonds ranging from $5,000 to $50,000 depending on project scope. INDOT public works projects require performance and payment bonds equal to 100% of the contract amount for projects exceeding $150,000.

Q: ​​How long does it take to get bonded in Indiana?

A: Most Indiana contractor bonds are approved and issued within 24-48 hours with just a credit check and basic business information. Bonds under $50,000 can often be approved the same day. Larger bonds for public works projects may require financial statements and take 2-3 business days.

Q: ​Can I get an Indiana contractor bond with bad credit?

A: Yes, contractors with credit challenges can still sometimes obtain Indiana bonds, though premiums will be higher. Specialized surety programs exist for contractors with poor credit, bankruptcies, or limited business history. Expect to pay between 5-50% of the bond amount depending on your credit situation.

Q: ​​What's the difference between a license bond and a bid bond in Indiana?

A: A license bond is required for municipal contractor registration and guarantees compliance with local building codes and tax obligations. A bid bond guarantees you'll honor your bid and provide required performance bonds if awarded a public construction contract. License bonds are ongoing requirements, while bid bonds are project-specific.

Q: ​​Does Indiana require performance and payment bonds?

A: Yes, Arizona public works projects typically require both performance bonds (guaranteeing project completion) and payment bonds (ensuring subcontractors and suppliers get paid) for contracts exceeding certain dollar thresholds.

Q: ​​​How do I renew my Indiana contractor bond?

A: Indiana contractor bonds typically renew annually. Your surety company will send a renewal notice approximately 30-60 days before expiration. You'll pay the renewal premium to maintain continuous coverage with your local municipality.

Q: ​​What happens if I don't have a contractor bond in Indiana?

A: Operating without a required bond in Indiana can result in fines, license denial or revocation, and inability to pull permits. You may face legal liability for contract disputes and municipalities can refuse to issue building permits for your projects.

Q: ​Are Indiana contractor bonds the same as insurance?

A: No, bonds and insurance are different. Insurance protects you from claims, while bonds protect project owners and the public. If a bond claim is paid, you must reimburse the surety company for the full amount plus costs.

Q: ​Do specialty contractors need bonds in Indiana?

A: Yes, Indiana specialty contractors including electricians, plumbers, HVAC technicians, and roofers may need bonds depending on their municipality. The Indiana Professional Licensing Agency regulates certain trades at the state level. Check with your local building department for specific requirements.

Q: ​Can out-of-state contractors get bonded in Indiana?

A: Yes, out-of-state contractors can obtain Indiana bonds. They must meet the same requirements as Indiana-based contractors when registering with local municipalities and bidding on Indiana public works projects.

Construction Bond Stats (Indiana)

85,000+

ACTIVE INDIANA CONTRACTOR REGISTRATIONS

$18+ Bil

CONSTRUCTION SECTOR CONTRIBUTED TO INDIANA GDP

8,500+

NEW CONTRACTOR REGISTRATIONS EACH YEAR IN INDIANA

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