How to Get a West Lafayette Contractor License or Permit Bond
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- 2 min read
If you plan to perform construction or specialty trade work in West Lafayette, Indiana, you must meet the city’s contractor registration and bonding requirements. West Lafayette requires bonds to be on file before any contractor performs permitted work within the city limits, and permits will not be issued until all required bonds are in place.
Who Needs a Contractor or Permit Bond in West Lafayette?
West Lafayette requires bonds for both general contractors and subcontractors. General contractors must be bonded for $25,000, and subcontractors must be bonded for $5,000 per trade. Subcontractors may list multiple trades under one bond, but the bond amount must increase by $5,000 for each additional trade.
Contractors requiring a bond include structural/carpentry, electrical, excavating, fire suppression, HVAC, masonry, concrete, plumbing, pool, and sign contractors.
How Contractor Bonds Work
A contractor license or permit bond ensures that bonded contractors follow city building codes and ordinances. If a contractor violates regulations or performs faulty work, the bond allows affected parties to file a claim for financial compensation.
General contractor bonds in West Lafayette are required as part of the licensing process, ensuring contractors operate responsibly and meet all regulatory obligations.
Steps to Get a West Lafayette Contractor License or Permit Bond
1. Determine Your Contractor Category
Identify whether you are a general contractor or subcontractor, and determine the trades you perform. This will set your required bond amount.
2. Obtain the Correct Bond Amount
General contractors must secure a $25,000 bond, while subcontractors must secure $5,000 per trade. Subcontractors listing multiple trades must ensure the bond value increases accordingly.
3. Purchase Your Bond
Bonds are obtained from your insurance carrier or a surety provider. Many West Lafayette contractor bonds can be issued quickly, often for around $100–$125, depending on the trade and bond type.
4. File the Bond With the City
The City of West Lafayette must be listed as the obligee, and the bond must be an original document with signatures and Power of Attorney attached. No contractor may perform permitted work until the bond is accepted.
5. Renew the Bond Annually
Most contractor bonds expire after one year unless continuous. Renewal ensures ongoing compliance.
Get Insured and Bonded With Wexford Insurance
In addition to your bond, you’ll need liability insurance to operate legally and protect your business. Wexford Insurance specializes in contractor bonds and insurance solutions tailored to Indiana requirements.
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