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GENERAL CONTRACTING x INDIANA

General Contracting contractor requirements in Indiana.

There is no statewide general contractor license in Indiana. The real gate is local: Indianapolis Code § 875-101 requires anyone engaging in construction, land alteration, sewer, driveway, or excavation work in the Consolidated City to be a listed contractor, and Allen County's Building Department licenses building, residential, home-improvement, and sub-contractors serving the Fort Wayne area.

One statewide rule does apply to every residential contractor: the Home Improvement Contract Act (IC 24-5-11) requires home improvement contracts over $150 to be in writing with the price, payment schedule, detailed materials description, start and completion dates, and the contractor's name, address, and signature.

STATE LICENSE
NoneSee what applies
STATUTE
IC 24-5-11
RENEWAL
Local — Indianapolis: Dec 31, even yearsNone at state level
VERIFIED
October 2026Official sources
FILE · GENERAL CONTRACTING x INDIANA
Compliance Dossier
Public
File
October 2026
STATE AUTHORITYNone for this trade
STATUTE / CODEIC 24-5-11
SCOPEStatewide · Indiana
RENEWALLocal — Indianapolis: Dec 31, even years
CONTINUING ED.None at state level
LOCAL OFFICES5 counties on file
FILE GENERAL CONTRACTINGSCOPE STATEWIDE · INDIANATYPE VERIFIED RULE FILE
VERIFIED October 2026STATUS PUBLIC REFERENCE
What this file settlesThe Indiana rules for general contracting contractors, verified against official sources.
LICENSE TRUTH
Indiana has no state general contractor license — the license comes from the city or county, most notably Indianapolis, which requires every construction contractor to be licensed with a $10,000 bond and $500,000 in liability coverage.
STATE ↔ LOCAL
The state sets contract rules (IC 24-5-11) and leaves licensing to local government. Indianapolis licenses construction contractors citywide except in the excluded cities of Lawrence, Beech Grove, Speedway, and Southport. Indiana has no statewide contractor license outside plumbing, so the license question is answered where the work is: the Consolidated City of Indianapolis (BNS, Revised Code Chapter 875) runs a real licensing program with bonds and insurance; Allen County's Building Department licenses building, residential, home-improvement, and sub-contractors for the Fort Wayne area; and cities like Lafayette and counties like Monroe run their own electrical boards. The Attorney General's own guidance is that licensing requirements vary from community to community.
EVERY CLAIM SOURCED
Each requirement below carries its citation and official source. Facts we could not confirm are listed as pending — never asserted.
§ 01 · Permit Stack

How general contracting work is governed in Indiana.

The state sets the license floor; the county or city permit office controls filing, inspections, and local rules wherever the job site sits.

STATE — CONTRACT LAW ONLY
Attorney General (IC 24-5-11)
NO STATE LICENSEWRITTEN CONTRACT > $150
CITY / COUNTY — THE LICENSE
Indianapolis BNS · Allen County Building Dept.
LOCAL LICENSEBOND + GLORIENTATION (INDY)
LOCAL — WHERE YOU FILE
Local permit office
BUILDING PERMITSINSPECTIONS

Read it bottom-up.

The state sets contract rules (IC 24-5-11) and leaves licensing to local government. Indianapolis licenses construction contractors citywide except in the excluded cities of Lawrence, Beech Grove, Speedway, and Southport. Indiana has no statewide contractor license outside plumbing, so the license question is answered where the work is: the Consolidated City of Indianapolis (BNS, Revised Code Chapter 875) runs a real licensing program with bonds and insurance; Allen County's Building Department licenses building, residential, home-improvement, and sub-contractors for the Fort Wayne area; and cities like Lafayette and counties like Monroe run their own electrical boards. The Attorney General's own guidance is that licensing requirements vary from community to community.

The local offices section below names the exact permit desk for every Indiana county on file.

Source · State and local issuing authoritiesLast verified · October 2026
§ 02 · Specs Ledger

Every requirement, with a number on it.

Each row names the issuing authority, cost, timeline, citation, and status behind the requirement — verified against the official source.

RequirementIssued byCostTimeCitationStatus
State General Contractor LicenseNone exists
—
$0
—
No state statute
OPTIONAL
Indianapolis General Contractor LicenseRequired for construction work in the Consolidated City
Indianapolis BNS
$247 (prorated new) · $247 renewal
Expires Dec 31, even years
Indianapolis Code § 875-101
REQUIRED
Indianapolis Bond + GL Insurance$10,000 license bond; GL $500k BI / $100k PD or $500k combined; City named additional insured
Surety / carrier
$10,000 bond · $500k GL
With license application
BNS General Contractor packet
CONDITIONAL
Written Home Improvement ContractResidential jobs over $150: price, schedule, materials, dates, signature
Statute (AG enforces)
$0
Before work starts
IC 24-5-11
REQUIRED
Allen County Contractor LicenseBuilding, residential, home improvement, sub-contractor
Allen County Building Dept.
Set by county
Per county cycle
Fort Wayne business guide
CONDITIONAL
Workers' CompensationRequired for employees; no-employee owners file a WCB exemption/clearance waiver
Carrier / Indiana WCB
Premium by payroll
Before hiring
IC 22-3; BNS packets
CONDITIONAL
§ 03 · Year-One Cost

What it costs to start general contracting in Indiana.

Published fees from the issuing authorities, as of October 2026. Local permit fees vary by project and jurisdiction — the basis is stated where a flat number does not exist.

Year-one ledger
Indiana · General Contracting
State licenseNone exists$0
Indianapolis licenseNew, prorated by start date; $247 renewal$124–$247
Indianapolis license bondPremium set by surety$10,000 bond
GL insurance$500k BI / $100k PD or $500k combinedMarket premium
Extra authorized agentsBeyond five free agents$63 each
Year-one floor$0 state · ≈ $247 + bond + insurance in Indianapolis
Excludes tools, vehicle purchase, payroll, and marketing.
NOTE
Even-year cycle

Indianapolis general contractor licenses expire December 31 of even-numbered years — the opposite cycle from electrical, HVAC, and plumbing.

NOTE
Orientation is mandatory

Every new Indianapolis listing, including a business entity change, must attend an orientation class within 60 days of issuance.

NOTE
Continuous bonds rejected

Indianapolis requires a typed bond with a stated expiration matching the license cycle; continuous bonds are not accepted.

§ 04 · Path to First Job

From day zero to first inspection.

A practical sequence for a new general contracting contractor in Indiana. Actual agency processing times are noted in the ledger above.

1
STEP 1
Register the business
Indiana Secretary of State / county DBA
2
STEP 2
Bind GL, bond, workers' comp
Carrier / surety
3
STEP 3
Apply to the local licensing office
Indianapolis BNS / Allen County
4
STEP 4
Orientation within 60 days (Indy)
BNS
5
STEP 5
Pull permits as a listed contractor
Local permit office
§ 05 · Compliance Checklist

Check them off.

Each item names the issuing authority, cycle, and citation.

01
Find the local license
No state license exists — check each city and county where you will build.
LOCALSCOPEAG guidance
Local officeIssuing authority
02
Put residential jobs over $150 in writing
Price, payment schedule, materials, start/finish dates, contractor name, address, and signature.
STATELEGALIC 24-5-11
YouIssuing authority
03
Name the City correctly
Indianapolis bonds name 'Consolidated City of Indianapolis and/or an Unknown Third Party' as obligee; GL names the City as additional insured.
INSURANCELOCALBNS GC packet
Surety / carrierIssuing authority
04
Never offer to cover the deductible
Promising to pay or rebate an insurance deductible to win a home improvement job is prohibited.
STATEWARNINGIC 24-5-11-10.5
YouIssuing authority
05
Renew by December 31, even years (Indy)
Renewal is $247 with a continuation certificate for the bond.
RENEWALDEADLINEBNS GC packet
Indianapolis BNSIssuing authority
§ 06 · Enforcement

What the law does about unlicensed general contracting work.

Statutory consequences with their citations — not estimates, not “commonly cited” guesses.

§
Indianapolis Code § 875-101Statute

Unlicensed construction in Indianapolis

Construction, land alteration, sewer, driveway, or excavation work in the Consolidated City requires a listed contractor.

ConsequenceLocal code enforcement
§
IC 24-5-11Statute

Home improvement contract violations

Residential contracts over $150 that are not in writing with the required terms violate the Home Improvement Contract Act.

ConsequenceAttorney General enforcement
§
IC 24-5-11-10.5Statute

Deductible rebates

Advertising, offering, or promising to pay or rebate any part of an insurance deductible to induce a home improvement contract.

ConsequenceAttorney General enforcement
§ 08 · Indiana FAQ

Questions general contracting contractors ask about Indiana.

Q01Does Indiana require a general contractor license?+
Not at the state level. Licensing is local: Indianapolis requires construction contractors to be licensed by BNS, and Allen County's Building Department licenses contractors in the Fort Wayne area. Check every jurisdiction you work in.
Q02What does Indianapolis require of a general contractor?+
A BNS license ($247, prorated for new applicants), a $10,000 license bond, general liability of $500,000 bodily injury and $100,000 property damage (or $500,000 combined) naming the City as additional insured, workers' comp or a waiver, and an orientation class within 60 days.
Q03Do I need a written contract?+
For residential home improvement work over $150, yes — Indiana's Home Improvement Contract Act (IC 24-5-11) requires it, and the Attorney General enforces it.
§ 09 · Sources

Primary authorities, not secondary summaries.

Every fact in this file was checked against these official sources on October 2026.

Pending verification: Allen County contractor license fees, bond, and insurance amounts (the Fort Wayne guide section could not be read in full) · Fine amounts for unlicensed contracting under Indianapolis Code Chapter 875 · Civil remedy amounts available to consumers for IC 24-5-11 violations

General information, not legal advice. Always confirm requirements, deadlines, and forms with the issuing authority before filing or contracting.

These are the documents Iris tracks for you.

Store licenses, permits, policies, and renewal dates in one place.