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Connecticut general contractor license and insurance requirements

Connecticut general contractor license and insurance requirements

By Ashley Henshaw
Apr 18, 2022
8 min read

As in many parts of the country, the construction business is booming in Connecticut. In fact, the state is seeing a significant increase in construction job opportunities, which means new projects are on the rise.1 That’s great news for general contractors who will be needed to head up those projects.

If you’re interested in working as a general contractor in Connecticut, you may need to obtain a license or register with the state. Figuring out which type of professional credentials you need can be a bit confusing, so we’ve put together this helpful guide to walk you through the process.

Learn how to get your general contractor license in Connecticut, including:

Do you need a license to be a general contractor?

There are three types of construction contractors recognized in Connecticut:

Major contractor 

A contractor engaged in major construction, structural repair/alteration or demolition projects.

Home improvement contractor 

A contractor who makes a permanent change to a residential property.

New home construction contractor 

A contractor who builds a new home prior to occupancy.

Of these options, major contractors are essentially the same as what most people consider to be a general contractor. Major contractors in Connecticut must have a license from the state’s Department of Consumer Protection (DCP).2

If your work is limited to the types of projects described for home improvement contractors or new home construction contractors, you do not need a license from the state. Instead, you must simply register with the DCP.

How to get a Connecticut general contractor license

To get your major contractor license, you must submit a Connecticut general contractor license application to the DCP’s License Services Division. Be sure to complete the following steps as you fill out the application.

Include reference letters

You must submit five reference letters with your application: 

  • One credit reference letter from an industry contact, such as a supplier or subcontractor
  • One credit reference letter from a financial institution
  • Three reference letters from people familiar with your knowledge, skills and abilities as a general contractor

Obtain insurance

You’ll need to submit evidence that you have obtained general liability insurance to cover your work. More information on insurance requirements can be found here.

List current and past work

You must submit information about any projects currently in progress as well as those completed in the past five years. Include details like the name, address, owner and architect or engineer for each project, the contractor amount, and the actual or estimated completion date.

Register your business

You must submit a certificate that proves that you’ve registered your contracting business with the Connecticut Secretary of State. The certificate demonstrating the business’s legal existence must be less than 30 days old.

Have your application notarized

The final page of the application includes an affidavit which must be signed by the applicant as well as a Notary Public or Justice of the Peace.

Pay the application fee

You must submit a check or money order in the amount of $500 with your Connecticut general contractor license application. This payment is nonrefundable and should be made payable to “Treasurer, State of Connecticut.”

General contractor license requirements in Connecticut

There are no specific education or training requirements to earn a general contractor license. Connecticut’s DCP will consider your professional references and current and past construction projects when reviewing your application, but there are no specific work experience requirements for a major contractor license.

How long does it take to get your general contractor license in Connecticut?

The DCP does not provide estimates on processing times for general contractor license applications. However, they recommend submitting your application through their online portal since online applications are generally processed faster than mailed applications. 

Connecticut general contractor license renewal requirements

Connecticut major contractor licenses expire on June 30 of each year. The DCP sends out renewal notices approximately 30 to 45 days prior to the expiration date. 

The DCP recommends renewing your license online using your user ID and password or the Fast Track Renewal PIN included in the renewal notice. You must pay a $500 license renewal fee each year.

Connecticut general contractor license reciprocity

Connecticut does not maintain general contractor license reciprocity with any other state. However, if your business is registered in another state but you’re applying for a license to work in Connecticut, you do not need to register your business in Connecticut. 

Instead, you may submit a certificate from your state less than 30 days old which demonstrates the business’s legal existence along with a certificate of good standing from the Connecticut Secretary of State.

What kind of insurance does a general contractor need in Connecticut?

In addition to getting your major contractor license, it’s important to have general contractor insurance to cover your work and protect your business. The following types of business insurance in Connecticut are highly recommended for most general contractors.

General Liability insurance

You must have general liability insurance in order to get your Connecticut general contractor license. This insurance provides coverage for a number of potential work-related accidents, like damage to someone’s property or a client injury.

Workers’ Compensation insurance

It’s a good idea to get Connecticut workers’ compensation insurance to protect yourself and employees if someone gets hurt on the job. In this state, all businesses with one or more employees, must have it. This workers’ comp provides wage protection and coverage for medical expenses.

Tools and Equipment insurance

Because your gear is an important part of the work you do, you may need tools and equipment insurance to cover repairs and replacements if something is stolen or damaged.

Commercial Auto insurance

If you drive to different work sites, you’ll want commercial auto insurance to cover any accident-related costs, such as towing, repairs, and rental reimbursement. 

Commercial Property insurance

General contractors who own or rent property for their business should have commercial property insurance, which provides coverage for damage and vandalism.

What is the certificate of insurance requirement in Connecticut for general contractors?

You must submit a certificate of insurance for general contractor liability insurance with your license application. This certificate must list the Department of Consumer Protection as the certificate holder.

How NEXT Insurance supports Connecticut general contractors

NEXT Insurance is your ultimate resource for general contractor insurance. We offer the self-employed general contractor insurance or general contractor business insurance coverage you need to protect your business and comply with state licensing requirements. We’ve helped thousands of contractors across the country get affordable insurance designed to meet their unique needs.

Applying for coverage is simple and easy using our online services. You can compare insurance options, purchase coverage, and get a Certificate of Insurance in just minutes from any computer or mobile device. 

Get an instant quote online today.

Are you interested in becoming a general contractor in another U.S. state? Learn what states require general contractor licenses in our summary of general contractor license requirements.

Sources

1 Hartford Courant

2 Department of Consumer Protection

Connecticut general contractor license and insurance requirements

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About the author
Ashley Henshaw is a contributing writer at NEXT Insurance and a writer and editor at BrainBoost Media. She specializes in small business topics, covering everything from insurance and branding to web hosting and cryptocurrency. Her work is focused on helping independent business owners and entrepreneurs access the tools they need to succeed.
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