New Jersey Home Improvement Contractor Bond (NJ HIC Bond)
Required to register and stay compliant with the NJ Division of Consumer Affairs. We provide fast, affordable HIC bonds with same-day approval.
Get Your Surety Bond Quote
Fast response. No obligation. Expert guidance.
Need liability insurance too? Use the Insurance Quote form
2026 Deadline Alert: All NJ contractors must have bonds by their 2025 registration renewal date
Renewing or Switching Your NJ Home Improvement Contractor Bond?
If your bond is renewing in March, this is the perfect time to review your rate and service. Switching providers is simple and can be done without interrupting your compliance. We offer competitive pricing and select no-credit-check bond options for qualifying applicants to help New Jersey contractors stay active and approved.
Call for a Fast HIC Bond QuoteNeed to Renew Your NJ HIC Bond?
If your New Jersey contractor registration is coming up for renewal, we can help you get your HIC bond renewed quickly and correctly.
Visit the NJ HIC Bond Renewal PageWho Needs a New Jersey Home Improvement Contractor Bond?
Any contractor performing home improvement work in New Jersey must post a Home Improvement Contractor Bond as part of state registration. This includes general contractors, remodelers, painters, roofers, flooring contractors, and other home improvement professionals.
Looking for NJ HIC Bond Pricing?
See the common bond amounts and what contractors typically pay before you call.
View NJ HIC Bond CostChoose Your Bond Amount
Under New Jersey law P.L. 2023, c. 237, bond amounts are tiered based on your contract values or annual totals.
Understanding the New NJ Law
In January 2024, Governor Murphy signed P.L. 2023, c. 237 into law, amending the Contractors' Registration Act and creating the Home Improvement and Home Elevation Contractor Licensing Act.
This law requires all New Jersey home improvement and home elevation contractors to obtain a compliance surety bond as a condition of their registration with the NJ Division of Consumer Affairs.
The bond protects New Jersey consumers by ensuring contractors fulfill their contractual obligations. If a contractor fails to complete work or violates the law, consumers can file a claim against the bond.
Key Dates
- January 8, 2024:Law signed by Governor Murphy
- January 2025:Bond requirement takes effect for renewals
- March 31, 2025:Existing registrations expired
Additional Requirements
In addition to your compliance bond, NJ contractors must also maintain:
- General Liability Insurance
$500,000 per occurrence for home improvement; $1,000,000 for home elevation
- Workers' Compensation Insurance
Required unless legally exempt (sole proprietors with no employees may be exempt)
- Registration Fee
Paid to the NJ Division of Consumer Affairs
Why Choose Can Do Surety Bonds?
Licensed NJ agency with local expertise on contractor bonding requirements
Instant Approval
Most bonds approved in minutes, not days
Competitive Rates
Starting at just $100/year for $10K bonds
A-Rated Carriers
Backed by Travelers, Liberty Mutual, Hartford
Expert Support
NJ bonding specialists ready to help
Trusted & Licensed
Licensing & Credentials
- Licensed Insurance Producer - NJ Dept. of Banking and Insurance
- Authorized in all 50 states
- Member - National Association of Surety Bond Producers
A-Rated Carriers
We work exclusively with A-rated (Excellent) carriers:
Frequently Asked Questions
What is a New Jersey Home Improvement Contractor Bond?
A NJ Home Improvement Contractor Bond is a surety bond required by the New Jersey Division of Consumer Affairs for contractors performing home improvement work. It protects homeowners by guaranteeing contractors will follow state regulations and fulfill their contractual obligations.
Is the NJ HIC bond required for registration?
Yes. Under P.L. 2023, c. 237 signed by Governor Murphy, all New Jersey home improvement and home elevation contractors must obtain a compliance bond to register or renew their registration with the state.
How much does a NJ home improvement contractor bond cost?
Bond premiums start at $100/year for a $10,000 bond, $125/year for a $25,000 bond, and $250/year for a $50,000 bond. The amount you need depends on your contract sizes and annual revenue.
How fast can I get approved?
Most NJ contractor bonds are approved instantly or within minutes. Once approved, you'll receive your bond documents immediately via email and can submit them to the NJ Division of Consumer Affairs right away.
What information do you need for a quote?
We only need your business name, contact information, and the bond amount required. New Jersey Home Improvement Contractor compliance bonds do not require a credit check, so approval is fast and available to all contractors.
What happens if a claim is filed?
If a valid claim is filed against your bond, the surety company pays the claimant up to the bond amount. You are then responsible for reimbursing the surety company for the claim amount plus any costs.
Need to renew your bond? Visit our NJ HIC Bond Renewal page.
Want pricing first? Visit our NJ HIC Bond Cost page.
Get Your NJ Contractor Bond Today
Fill out the form below or call (609) 491-7404 for immediate assistance.
To ensure NJ compliance and proper underwriting:
HIC bonds are issued with specialist review. Most contractors can be approved and issued the same day by phone.
Need Liability Insurance Too?
Most NJ contractors who need a Home Improvement Contractor Bond also need General Liability Insurance for jobs, permits, and customer requirements. We can help you bundle it quickly—so you stay compliant and covered.
Get Your Surety Bond Quote
Fast response. No obligation. Expert guidance.
Need liability insurance too? Use the Insurance Quote form
How Our Pricing Compares (Same NJ Bond — Lower Cost)
Most NJ agencies charge approximately:
- $25,000 bond → ~$250
- $50,000 bond → ~$500
At Can Do Surety Bonds, our pricing is:
- $25,000 bond → $125
- $50,000 bond → $250
Same compliance. Same NJ requirements. Just lower cost and local guidance.
Call (609) 491-7404 — Speak with a Licensed NJ Bond SpecialistNJ HIC Bond Requirement — What Contractors Need to Know
New Jersey law requires all Home Improvement Contractors to maintain an active compliance bond as part of their registration. HIC registrations (including bonds) are renewed annually by March 31.
If your bond lapses, your registration can be delayed or suspended — which may prevent you from legally performing home improvement work.
We help NJ contractors stay compliant with fixed HIC bond pricing and local, phone-first support — no call centers.
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