National 50-State Comparison Mechanical & HVAC/R Medium-High Risk
Commercial Refrigeration Contractor: 50-State Comparison Guide
Compare statutory liability insurance minimums, required contractor license bonds, and board application fees across all 50 states for refrigeration contractor professionals. Ensure commercial project compliance and streamline General Contractor bid approvals nationwide.
Overview & Baseline Underwriting Risk
Commercial Refrigeration Contractors engineer cold storage warehouses, supermarket rack systems, walk-in blast freezers, and process chillers.
National Average Premium
$1,600 - $3,900
Statutory Minimum Coverage
$1,000,000 Each Occurrence
Permit Threshold Trigger
Any commercial cold storage refrigeration system with 5+ tons capacity
Interactive Compliance Tool
Live 2026 Underwriting Matrix
Contractor Liability & Bond Premium Estimator
Estimate your required general liability and state license bond costs instantly based on state statute and operational volume.
Estimated Annual Gross Revenue $350,000
$50k $1.5M $3M+
Estimated Statutory Costs
Instant Certificate Available
General Liability (GL)
$1,000,000 Each Occurrence / $2,000,000 General Aggregate
$197/mo
~$2,363 / year
Contractor License Bond
California $25,000 Bond
$250/yr
1.0% (Tier 1 Preferred) on $25,000 bond
Workers' Comp Alert: In California: Mandatory for all employers with 1+ full-time or part-time employees before jobsite dispatch (Cal. Lab. Code § 3700 & Cal. B&P Code § 7125).
Review Governing Statutory Citations Explore 50-State Licensing Directory →
*Estimates based on standard market rates for commercial artisan contractors. Exact quotes require underwriting review of prior loss history, specific endorsements, and payroll declarations.
50 State Jurisdictions
Refrigeration Contractor Licensing & Bond Requirements by State
Direct statutory comparisons for all 50 US States.
| State Jurisdiction | Licensing Board & Authority | Statutory Bond Penalty | Application Fee | Action |
|---|---|---|---|---|
| Alabama AL | Alabama Licensing Board for General Contractors
Exam: PSI Services | $10,000 - $50,000 (Based on bid limit)
From $160/yr
| $300 Annual | Full Guide |
| Alaska AK | Alaska Division of Corporations, Business and Professional Licensing
Exam: Prov | $25,000 General Contractor Bond / $10,000 Specialty
From $400/yr
| $350 Biennial | Full Guide |
| Arizona AZ | Arizona Registrar of Contractors (ROC)
Exam: PSI Services | $9,000 to $100,000 (Calculated by gross contracting volume)
From $144/yr
| $580 - $870 Biennial | Full Guide |
| Arkansas AR | Arkansas Contractors Licensing Board
Exam: Prometric | $10,000 Contractor License Bond
From $160/yr
| $100 Annual | Full Guide |
| California CA | California Contractors State License Board (CSLB)
Exam: CSLB Testing Centers | $25,000 Contractor License Bond (Mandatory)
From $400/yr
| $450 (Initial) + $200 (Exam) Every 2 Years | Full Guide |
| Colorado CO | Colorado Department of Regulatory Agencies (DORA)
Exam: ICC / Pearson VUE | $5,000 - $25,000 (Municipal level / Denver license bonds)
From $100/yr
| $150 - $250 Biennial | Full Guide |
| Connecticut CT | Connecticut Department of Consumer Protection (DCP)
Exam: PSI Services | $10,000 - $20,000 (Specialty dependent)
From $160/yr
| $220 Annual | Full Guide |
| Delaware DE | Delaware Division of Professional Regulation
Exam: Prometric | $5,000 - $20,000 (Non-resident contractor bonding requirement)
From $100/yr
| $135 Biennial | Full Guide |
| Florida FL | Florida Construction Industry Licensing Board (CILB) & Electrical Contractors' Licensing Board (ECLB)
Exam: Florida DBPR / Pearson VUE | $10,000 - $20,000 (Exempt with FICO 660+; 50% course reduction available)
From $160/yr
| $245 - $355 Biennial | Full Guide |
| Georgia GA | Georgia State Licensing Board for Residential and General Contractors
Exam: PSI Services | $25,000 Contractor License Bond
From $400/yr
| $200 Biennial | Full Guide |
| Hawaii HI | Hawaii Department of Commerce and Consumer Affairs (DCCA)
Exam: Prometric | $5,000 - $50,000 (Discretionary board assessment)
From $100/yr
| $450 Biennial | Full Guide |
| Idaho ID | Idaho Division of Occupational and Professional Licenses (DOPL)
Exam: PSI Services | $2,000 - $10,000 (Public works requirement)
From $100/yr
| $50 - $125 Annual or Triennial | Full Guide |
| Illinois IL | Illinois Department of Financial and Professional Regulation (IDFPR)
Exam: Continental Testing Services | $10,000 Roofing Bond / $25,000 Chicago GC Bond
From $160/yr
| $250 Biennial / Annual by Trade | Full Guide |
| Indiana IN | Indiana Professional Licensing Agency (IPLA)
Exam: PSI Services | $5,000 - $15,000 (City/County license bond requirement)
From $100/yr
| $100 Biennial / Local municipal registration | Full Guide |
| Iowa IA | Iowa Division of Labor - Contractor Registration
Exam: State Board | $25,000 (Mandatory for out-of-state contractors)
From $400/yr
| $150 Every 2 Years | Full Guide |
| Kansas KS | Kansas Attorney General - Roofing / Local County Boards
Exam: Prometric / ICC | $5,000 - $20,000 (Municipal county requirement)
From $100/yr
| $100 - $250 Annual | Full Guide |
| Kentucky KY | Kentucky Department of Housing, Buildings and Construction (DHBC)
Exam: Pearson VUE | $10,000 - $25,000 (Local municipal requirement)
From $160/yr
| $250 Annual | Full Guide |
| Louisiana LA | Louisiana State Licensing Board for Contractors (LSLBC)
Exam: LSLBC Testing Center / PSI | $10,000 - $20,000 (Commercial/Residential)
From $160/yr
| $300 Annual or Triennial | Full Guide |
| Maine ME | Maine Department of Professional and Financial Regulation
Exam: State Board | $10,000 - $25,000 (Municipal / Public bids)
From $160/yr
| $150 Every 2 Years | Full Guide |
| Maryland MD | Maryland Home Improvement Commission (MHIC) / DLLR
Exam: PSI Services | $30,000 MHIC Guaranty Fund or Surety Bond (if net worth < $30,000)
From $480/yr
| $250 Every 2 Years | Full Guide |
| Massachusetts MA | Massachusetts Office of Public Safety and Inspections (CSL)
Exam: Prometric | $5,000 - $25,000 (HIC & Municipal permit bonds)
From $100/yr
| $150 Every 2 Years | Full Guide |
| Michigan MI | Michigan Department of Licensing and Regulatory Affairs (LARA)
Exam: PSI Services | $10,000 Maintenance & Alteration Bond
From $160/yr
| $195 Triennial | Full Guide |
| Minnesota MN | Minnesota Department of Labor and Industry (DLI)
Exam: State Board / PSI | $15,000 Residential Building Contractor Bond
From $240/yr
| $180 Every 2 Years | Full Guide |
| Mississippi MS | Mississippi State Board of Contractors (MSBOC)
Exam: PSI Services | $10,000 - $20,000 Residential Bond
From $160/yr
| $400 (Commercial) / $50 (Residential) Annual | Full Guide |
| Missouri MO | Missouri Division of Professional Registration (Local / County Boards)
Exam: Prometric / ICC | $10,000 - $25,000 (St. Louis & Kansas City requirements)
From $160/yr
| $100 - $200 Annual or Biennial | Full Guide |
| Montana MT | Montana Department of Labor and Industry
Exam: State Board | $5,000 - $20,000 (Trade dependent)
From $100/yr
| $70 Every 2 Years | Full Guide |
| Nebraska NE | Nebraska Department of Labor - Contractor Registration
Exam: State Board / ICC | $5,000 - $15,000 (Omaha & Lincoln permit bonds)
From $100/yr
| $40 Every 2 Years | Full Guide |
| Nevada NV | Nevada State Contractors Board (NSCB)
Exam: PSI Services | $1,000 to $500,000 (Assessed based on monetary license limit)
From $100/yr
| $300 + $600 (Biennial License Fee) Biennial | Full Guide |
| New Hampshire NH | New Hampshire Office of Professional Licensure and Certification
Exam: Prov / State Board | $10,000 - $25,000 (Trade & Municipal dependent)
From $160/yr
| $150 Biennial or Triennial | Full Guide |
| New Jersey NJ | New Jersey Division of Consumer Affairs (HIC & Electrical/Plumbing)
Exam: PSI Services | $10,000 - $25,000 (Trade specific: Plumbing & Electrical)
From $160/yr
| $110 (HIC) / $150 (Master) Annual | Full Guide |
| New Mexico NM | New Mexico Regulation and Licensing Department (CID)
Exam: PSI Services | $10,000 Contractor Code Bond
From $160/yr
| $300 - $450 Triennial | Full Guide |
| New York NY | New York Department of State / NYC Dept of Buildings (DOB)
Exam: NYC DOB / CPS HR | $25,000 NYC DOB General Contractor Bond
From $400/yr
| $330 (NYC DOB) Triennial | Full Guide |
| North Carolina NC | North Carolina Licensing Board for General Contractors (NCLBGC)
Exam: PSI Services | $175,000 (Limited) to $1,000,000 (Unlimited) Bond in lieu of working capital
From $2800/yr
| $125 (Limited) / $175 (Unlimited) Annual | Full Guide |
| North Dakota ND | North Dakota Secretary of State - Contractor Licensing
Exam: State Board | $2,000 - $10,000 (Public projects)
From $100/yr
| $100 Annual | Full Guide |
| Ohio OH | Ohio Construction Industry Licensing Board (OCILB)
Exam: PSI Services | $20,000 - $25,000 (Municipal permit bond across Columbus/Cleveland)
From $320/yr
| $200 Annual or Triennial | Full Guide |
| Oklahoma OK | Oklahoma Construction Industries Board (CIB)
Exam: PSI Services | $5,000 Contractor License Bond
From $100/yr
| $150 Annual or Biennial | Full Guide |
| Oregon OR | Oregon Construction Contractors Board (CCB)
Exam: PSI Services | $20,000 - $25,000 Residential / $25,000 - $80,000 Commercial CCB Bond (ORS 701.068)
From $320/yr
| $250 Every 2 Years | Full Guide |
| Pennsylvania PA | Pennsylvania Office of Attorney General (HIC Registration) / Philadelphia L&I
Exam: ICC / Municipal | $10,000 - $25,000 (Philadelphia & Pittsburgh permit bond)
From $160/yr
| $50 (State HIC) / $150 (City) Biennial | Full Guide |
| Rhode Island RI | Rhode Island Contractors' Registration and Licensing Board (CRLB)
Exam: State Board | $10,000 - $20,000 (Specialty licenses)
From $160/yr
| $200 Every 2 Years | Full Guide |
| South Carolina SC | South Carolina Contractor's Licensing Board (LLR)
Exam: PSI Services | $10,000 - $350,000 (Based on Group financial net worth)
From $160/yr
| $175 - $350 Biennial | Full Guide |
| South Dakota SD | South Dakota Department of Labor and Regulation (Plumbing/Electrical)
Exam: State Board | $5,000 - $10,000 (Local municipal requirement)
From $100/yr
| $100 Annual or Biennial | Full Guide |
| Tennessee TN | Tennessee Board for Licensing Contractors (TDCI)
Exam: PSI Services | $10,000 - $500,000 (Bond in lieu of audited working capital)
From $160/yr
| $250 Biennial | Full Guide |
| Texas TX | Texas Department of Licensing and Regulation (TDLR) & Texas State Board of Plumbing Examiners (TSBPE)
Exam: PSI Services (State Licenses: TDLR & TSBPE) / Local Municipal Review | No statewide contractor license bond; $10,000 - $25,000 municipal permit bonds in Houston, Dallas, San Antonio
From $160/yr
| Varies by regulatory agency ($115 - $225 for TDLR/TSBPE licenses; $60 - $130 for municipal contractor registration) Annual or Biennial by trade | Full Guide |
| Utah UT | Utah Division of Professional Licensing (DOPL)
Exam: PSI Services | $15,000 - $50,000 (Required if credit or experience threshold unmet)
From $240/yr
| $210 Biennial | Full Guide |
| Vermont VT | Vermont Division of Fire Safety / Secretary of State
Exam: State Board | $10,000 - $20,000 (Municipal & Trade)
From $160/yr
| $120 Triennial | Full Guide |
| Virginia VA | Virginia Board for Contractors (DPOR)
Exam: PSI Services | $50,000 Surety Bond (Required for Class A/B in lieu of net worth)
From $800/yr
| $385 (Class A) / $370 (Class B) / $235 (Class C) Every 2 Years | Full Guide |
| Washington WA | Washington State Department of Labor & Industries (L&I)
Exam: L&I Registration | $30,000 General Contractor Bond / $15,000 Specialty Bond (RCW 18.27.040, amended by HB 1534)
From $480/yr
| $124.70 Every 2 Years | Full Guide |
| West Virginia WV | West Virginia Contractor Licensing Board (Division of Labor)
Exam: Prov | $20,000 - $50,000 (Wage Bond required for out-of-state entities)
From $320/yr
| $150 Annual | Full Guide |
| Wisconsin WI | Wisconsin Department of Safety and Professional Services (DSPS)
Exam: DSPS / Pearson VUE | $25,000 Dwelling Contractor Financial Bond
From $400/yr
| $40 + $30 (Qualifier) Every 2 Years | Full Guide |
| Wyoming WY | Wyoming Department of Fire Prevention and Electrical Safety
Exam: ICC / State Board | $5,000 - $20,000 (Cheyenne & Casper permit bonds)
From $100/yr
| $100 Triennial | Full Guide |
| District of Columbia DC | District of Columbia Department of Licensing and Consumer Protection (DLCP)
Exam: PSI Services | $25,000 Home Improvement Contractor Bond
From $400/yr
| $450 Every 2 Years | Full Guide |