Missouri Contractor License BondMunicipal Requirements

No, Missouri does not have a statewide contractor licensing requirement. Contractor licensing and bonding is regulated entirely at the local municipal level. Each city and county sets its own requirements, so you must contact the local building department where you plan to work to determine specific licensing and bond requirements.

Missouri contractor bond costs vary by municipality and bond amount. For a typical $10,000 municipal bond, expect to pay $100-$300 annually (1-3%) with good credit. Higher bond amounts like $25,000 (St. Louis County electrical) may cost $250-$750 annually. Rates depend on your credit score, experience, and the specific municipality's requirements.

Major Missouri cities requiring contractor bonds include St. Louis County ($25,000 for electrical), St. Charles County ($10,000), Joplin ($10,000), Jefferson City ($5,000+ for plumbing), and Kansas City (varies by trade). Each municipality has different requirements, so always verify with the local building department before starting work.

Since Missouri has no state license requirement: (1) Register your business with the Missouri Secretary of State, (2) Contact the local building department in cities where you'll work, (3) Complete any required local applications and exams, (4) Purchase the required surety bond for that municipality, (5) Obtain required insurance (workers comp, liability), (6) Pay local licensing fees. Requirements vary significantly by location.

Yes, if you work in multiple Missouri cities that require contractor bonds, you may need separate bonds for each municipality. Some cities accept bonds from other jurisdictions, but many require their own specific bond. Our agents can help you obtain multiple municipal bonds efficiently if you work across several Missouri locations.

While bond requirements vary by municipality, most Missouri cities require general liability insurance (typically $300,000-$1,000,000) and workers compensation insurance if you have employees. Some municipalities also require vehicle insurance for contractor vehicles. Check with each local building department for specific insurance requirements.