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Contractor License Requirements in Massachusetts

Last updated: 2026 -- Verify all requirements with the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Registration before beginning the licensing process.

Overview

Massachusetts requires contractor licensing for construction work. The licensing process is overseen by the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Registration. Massachusetts requires home improvement contractor registration and construction supervisor licensing. Construction supervisors must pass a state exam. All residential projects require a construction supervisor to hold a valid license. The state also requires a written contract for jobs over $1,000.

State License Required
Yes
Minimum Threshold
$0
Bond Required
No
Insurance Required
Yes
Exam Required
Yes

License Types Available in Massachusetts

License Type
Home Improvement Contractor
Construction Supervisor
Specialty Contractor

Licensing Requirements

Not Required

Surety Bond

Massachusetts does not require a surety bond for general contractor licensing at the state level. Some local jurisdictions may have their own bonding requirements.

Required

General Liability Insurance

General liability insurance is mandatory for licensed contractors in Massachusetts. Minimum coverage amounts are set by the state licensing board. Workers' compensation insurance is also typically required if the contractor has employees.

Required

Licensing Exam

Contractor applicants in Massachusetts must pass a licensing examination. The exam typically covers building codes, safety regulations, business law, and trade-specific knowledge. Study materials are usually available through the licensing board or approved exam prep providers.

How to Verify a Contractor's License in Massachusetts

Important

Never hire a contractor who cannot provide a valid license number. A legitimate contractor will have no hesitation sharing their license credentials for you to verify independently. If a contractor refuses, discourages you from checking, or makes excuses, treat that as a serious red flag.

Massachusetts Office of Consumer Affairs - Home Improvement Contractor Program

Search by: Registration number, Business name, Owner name

Open License Lookup ToolPhone: (617) 973-8787

Follow these steps to verify a contractor's license in Massachusetts:

  1. 1
    Search the HIC registration databaseVisit the Massachusetts Office of Consumer Affairs Home Improvement Contractor registration search page. All home improvement contractors in Massachusetts must be registered.
  2. 2
    Enter the contractor's registration number or nameSearch by HIC registration number for the most accurate results. You can also search by business name or owner name. The results will show the registration status and any construction supervisor associated with the business.
  3. 3
    Verify the Construction Supervisor licenseMassachusetts requires a licensed Construction Supervisor on every residential project. Verify the supervisor's license is current through the Board of Building Regulations and Standards. This is separate from the HIC registration.
  4. 4
    Check the registration status and insuranceConfirm the HIC registration is active. Massachusetts requires general liability insurance and workers' compensation for registered contractors. The registration lookup shows insurance status.
  5. 5
    Review any arbitration awards or complaintsThe Office of Consumer Affairs tracks complaints and arbitration cases. Check for any history of disputes, arbitration awards, or binding resolution outcomes. Multiple complaints are a warning sign.

What to Look for in Verification Results

  • HIC registration must be active and current
  • A licensed Construction Supervisor must be associated with the project
  • Insurance (general liability and workers' comp) must be on file
  • Check for arbitration awards or consumer complaints
  • Written contracts are required by law for jobs over $1,000
  • The registration number must appear on all contracts and advertisements

Common License Types and Applicable Trades in Massachusetts

Different types of construction work require different licenses in Massachusetts. Here is a breakdown of the most common license types and which trades they apply to:

Home Improvement Contractor Registration

General ContractorPainting ContractorFlooring ContractorRoofing Contractor

Required for all contractors performing residential home improvement work. Must carry insurance and comply with the Home Improvement Contractor Law.

Construction Supervisor License

General ContractorFraming Contractor

Required for all residential construction projects. The supervisor must pass a state exam covering the building code. Must be present or available for every project.

Licensed Electrician

ElectricianEV Charger Installer

State license required. Levels include journeyman and master electrician. Exam covers the Massachusetts Electrical Code.

Licensed Plumber

Plumber

State license required. Journeyman and master plumber levels. Must pass an exam covering the Massachusetts Plumbing Code.

What Happens If You Hire an Unlicensed Contractor in Massachusetts

Hiring an unlicensed contractor in Massachusetts carries significant risks for both the homeowner and the contractor:

  • No consumer protections: State recovery funds and guaranty programs typically only cover work performed by licensed contractors.
  • Insurance issues: Your homeowner's insurance may deny claims related to work done by an unlicensed contractor.
  • Permit problems: Building permits often require a valid contractor license. Work done without permits can create issues when selling your property.
  • Quality concerns: Licensed contractors have demonstrated minimum competency through exams, experience requirements, or both.
  • Legal liability: Homeowners may bear greater legal responsibility for injuries or property damage caused during unlicensed work.
  • Penalties: In Massachusetts, unlicensed contracting can result in fines and criminal penalties for the contractor, and the homeowner may lose the ability to enforce the contract.

Reciprocity Agreements

Massachusetts does not currently have reciprocal contractor licensing agreements with other states. Contractors licensed in other states must apply for a new Massachusetts license through the standard application process. Some states may credit out-of-state experience toward licensing requirements -- contact the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Registration for details.

Frequently Asked Questions About Massachusetts Contractor Licensing

Do I need a contractor license to work in Massachusetts?

Yes. Massachusetts requires contractors to be licensed for construction work. The license is issued by the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Program. Different license classifications may apply depending on the type and scope of work.

How do I verify a contractor's license in Massachusetts?

Visit the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Program license lookup tool at https://services.oca.state.ma.us/hic/licenseSearch.aspx. You can search by registration number, business name, owner name. The results will show the license status, classification, and any disciplinary history. You can also call the board at (617) 973-8787 for assistance.

What exams are required for a Massachusetts contractor license?

Massachusetts requires contractors to pass a licensing examination administered through the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Program. The exam typically covers building codes, safety regulations, and business law. Some specialty classifications require additional trade-specific exams. Contact the board at (617) 973-8787 for exam scheduling and study materials.

What are the penalties for unlicensed contracting in Massachusetts?

Unlicensed contracting in Massachusetts can result in significant fines, criminal penalties, and the inability to enforce contracts or file mechanic's liens. Homeowners who hire unlicensed contractors may lose access to state consumer protection funds. You can report unlicensed activity to the Massachusetts Office of Consumer Affairs - Home Improvement Contractor Program.

Find Licensed Contractors in Massachusetts

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