Do I Need a License or Certification to Start a Masonry Contracting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 4, 2025
- 3 min read
If you’re planning to start a masonry contracting business, one of the first questions you’ll face is whether you need a license or certification. Licensing requirements vary by state, city, and project type — and knowing the rules helps you stay compliant, win bids, and protect your business.
In this guide, we break down the basics of licensing, optional certifications, insurance considerations, and where to find accurate information based on your location.
State Licensing Requirements for Masonry Contractors
In most areas, masonry contractors must hold a state-issued contractor’s license to legally perform paid work. This is especially true for structural masonry, commercial projects, and work on public property.
State requirements may include:
Contractor license application
Proof of experience (2–5 years average)
Trade exam and/or business exam
Proof of insurance
Financial or bonding requirements
Registration with labor or business departments
Because rules vary, the first step is confirming requirements in your state.
Local Permits and Registrations
Even with a state license, some cities or counties require local registrations or permits to operate as a masonry contractor. These may apply to:
City business licenses
Permit-specific certifications
Specialty trade registrations
Historic district approvals
Always check with your local building department before starting a project.
Do You Need Certification to Do Masonry Work?
Unlike licensing, certification is usually optional — however, it can set you apart from competitors, help you win commercial bids, and demonstrate your skill level to clients.
Recognized masonry certifications include:
National Concrete Masonry Association (NCMA) Certifications for segmental retaining wall installers and more.
Masonry Contractors Association of America (MCAA) Professional education and contractor certifications.
American Concrete Institute (ACI) Concrete flatwork and masonry-related training programs.
Apprenticeship Completion Certificates From state-recognized apprenticeship programs.
While not legally required, certifications can strengthen your brand, improve job quality, and support higher pricing.
Bonding Requirements for Masonry Contractors
Some states require surety bonds as part of the licensing process. Bonds are financial guarantees that protect clients from damages caused by contractor negligence or incomplete work.
Bonding is especially common for:
Government projects
Large commercial jobs
Historic renovations
Structural masonry work
Contractors may also need payment or performance bonds depending on project requirements.
Insurance Requirements for Licensing
Many states require proof of business insurance before approving a masonry contractor license. Even where not required, the right coverage protects your business from financial loss.
Common masonry contractor policies include:
How to Apply for Your Masonry Contractor License
While the process varies, here is a common path for licensing:
Confirm state licensing requirements
Register your business (LLC, Corp, etc.)
Secure required insurance coverage
Prepare proof of experience/work history
Complete the license application
Take the trade or business exam (if required)
Pay filing fees
Receive your license and maintain renewal
Licenses typically renew every 1–2 years, and continuing education may be required.
Final Thoughts
Whether you need a license or certification to operate a masonry contracting business depends on your state, project type, and local regulations. While certification is often optional, licensing is commonly required — especially for structural and commercial work.
Taking the time to verify requirements protects your business legally and builds trust with clients. A licensed contractor with documented experience, training, and insurance is far more competitive in today’s construction market.
Insurance plays a major role in the licensing process because it demonstrates your commitment to protecting clients, employees, and property. Partnering with an agency that understands masonry work — like Wexford Insurance — ensures you meet state requirements and carry strategic coverage for your operations.
Contact us today.
