Wisconsin Contractor License Bond$5,000-$25,000 DSPS Required

Wisconsin requires dwelling contractors to be certified through the Department of Safety and Professional Services (DSPS). Unrestricted certification requires a $25,000 bond and allows work on any dwelling project. Restricted certification requires a bond of less than $25,000 and limits work to projects under the bond amount. This is governed by Wisconsin Statute 101.654(2).

Wisconsin contractor bond costs depend on the bond amount and your credit. For a $25,000 unrestricted bond, expect $250-$750 annually (1-3%) with good credit. For a $5,000 restricted bond, costs range from $75-$150 annually. Poor credit may increase rates to 5-10% of the bond amount. Our instant approval system offers competitive rates for all credit levels.

Unrestricted certification requires a $25,000 bond and $250,000 liability insurance, but allows you to work on dwelling projects of any value. Restricted certification requires a smaller bond (less than $25,000) with no insurance requirement, but limits your work to projects valued under your bond amount. Choose based on the size of projects you plan to undertake.

To become certified: (1) Complete the 12-hour initial training course, (2) Pass the state examination, (3) Submit application ($15) and credential fee ($30), (4) Purchase your surety bond ($5,000-$25,000), (5) Obtain liability insurance if seeking unrestricted certification ($250,000), (6) Demonstrate workers comp and unemployment comp compliance. Processing time is typically 2-4 weeks after passing the exam.

Some Wisconsin cities require additional municipal bonds. Madison requires a $5,000 license and permit bond. Milwaukee requires $5,000 for concrete contractors. Superior requires $25,000 for general, electrical, and heating contractors. Always check with local building departments for additional requirements beyond state certification.

If a valid claim is filed, your surety company will investigate and may pay out up to your bond amount to the claimant. You are then responsible for repaying the surety company the full claim amount plus any legal fees. The bond protects consumers - it's essentially a credit line that you must repay if used. Maintaining quality work and resolving disputes prevents claims.