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GENERAL CONTRACTING x MASSACHUSETTS

General Contracting contractor requirements in Massachusetts.

General contracting in Massachusetts runs on two separate credentials. The Construction Supervisor License (CSL), issued by the Board of Building Regulations and Standards under 780 CMR 110.R5, is required for the person supervising construction, alteration, repair, or demolition of 1- and 2-family dwellings and of any building under 35,000 cubic feet; larger buildings are controlled by a registered design professional instead. Applicants need three years of experience within the past ten years and must pass a PSI exam — on the 10th-edition building code since January 1, 2025.

Separately, M.G.L. c. 142A, § 9 requires anyone contracting on an existing owner-occupied home of one to four units to register as a Home Improvement Contractor with the Office of Consumer Affairs and Business Regulation: $150 plus a one-time Guaranty Fund payment of $100–$500 by headcount, renewed every two years for $100. The Guaranty Fund now compensates homeowners up to $25,000 for unpaid judgments against registered contractors.

STATE LICENSE
RequiredMassachusetts Board of Building Regulatio…
STATUTE
M.G.L. c. 143, § 94(i); 780 CMR 110.R5 (10th ed.); M.G.L. c. 142A, § 9
RENEWAL
CSL: 3-year original, then 2 years · HIC: 2 yearsCSL: 12 hrs (unrestricted) / 10 hrs (1-2 family) per 2 years
VERIFIED
October 2026Official sources
FILE · GENERAL CONTRACTING x MASSACHUSETTS
Compliance Dossier
Public
File
October 2026
STATE AUTHORITYMassachusetts Board of Building Regulations and Standards (BBRS) — Office of Public Safety and Inspections, Division of Occupational Licensure
STATUTE / CODEM.G.L. c. 143, § 94(i); 780 CMR 110.R5 (10th ed.); M.G.L. c. 142A, § 9
SCOPEStatewide · Massachusetts
RENEWALCSL: 3-year original, then 2 years · HIC: 2 years
CONTINUING ED.CSL: 12 hrs (unrestricted) / 10 hrs (1-2 family) per 2 years
LOCAL OFFICES2 counties on file
FILE GENERAL CONTRACTINGSCOPE STATEWIDE · MASSACHUSETTSTYPE VERIFIED RULE FILE
VERIFIED October 2026STATUS PUBLIC REFERENCE
What this file settlesThe Massachusetts rules for general contracting contractors, verified against official sources.
LICENSE TRUTH
Massachusetts has no general contractor license; structural work on buildings under 35,000 cubic feet must be supervised by a Construction Supervisor License holder, and work on owner-occupied 1–4 unit homes also needs HIC registration.
STATE ↔ LOCAL
780 CMR is a single statewide building code (M.G.L. c. 143, § 94); local building commissioners enforce it, issue permits, and record the supervising CSL holder and HIC registration on each permit. Municipalities may also adopt DOER's stretch or specialized energy codes (225 CMR 22.00/23.00), so check the town before pricing energy work. There is no separate local contractor license for building work in the state framework, but the BBRS advises checking with the local building official for additional requirements.
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 Massachusetts.

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

STATE — SUPERVISION LICENSE
BBRS / OPSI (780 CMR 110.R5)
CSL (UNRESTRICTED OR 1-2 FAMILY)PSI EXAM3 YEARS EXPERIENCE
STATE — CONSUMER REGISTRATION
OCABR (M.G.L. c. 142A)
HIC REGISTRATIONGUARANTY FUND PAYMENTWRITTEN CONTRACTS > $1,000
LOCAL — WHERE YOU BUILD
City / town building commissioner
BUILDING PERMITCSL + HIC NUMBERS ON PERMITINSPECTIONS

Read it bottom-up.

780 CMR is a single statewide building code (M.G.L. c. 143, § 94); local building commissioners enforce it, issue permits, and record the supervising CSL holder and HIC registration on each permit. Municipalities may also adopt DOER's stretch or specialized energy codes (225 CMR 22.00/23.00), so check the town before pricing energy work. There is no separate local contractor license for building work in the state framework, but the BBRS advises checking with the local building official for additional requirements.

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

Source · Massachusetts Board of Building Regulations and Standards (BBRS) — Office of Public Safety and Inspections, Division of Occupational LicensureLast 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
Construction Supervisor LicenseUnrestricted, or One- and Two-Family; 3 yrs experience + PSI exam
BBRS / OPSI
Initial fee per BBRS schedule; $100 renewal
First license 3 years, renewals 2 years
780 CMR 110.R5.2.4; M.G.L. c. 143, § 94(i)
REQUIRED
Home Improvement Contractor RegistrationWork on existing owner-occupied 1–4 unit homes; the contractor who signs with the homeowner must hold it
OCABR (MA Contractor Hub)
$150 + $100–$500 Guaranty Fund
2-year registration; $100 renewal
M.G.L. c. 142A, §§ 9, 11
CONDITIONAL
Guaranty Fund PaymentOne-time with first registration; refunded if denied
OCABR
$100 / $200 / $300 / $500 by employees
At registration
M.G.L. c. 142A, § 11(a)
CONDITIONAL
CSL Continuing Education12 hrs unrestricted / 10 hrs one- and two-family
BBRS-approved provider
Provider rate
Every 2 years
780 CMR 110.R5.4
REQUIRED
Workers' Compensation InsuranceEvery employer must insure (or qualify to self-insure)
Carrier
By payroll
Before hiring
M.G.L. c. 152, § 25A
CONDITIONAL
Building PermitIssued by the local building commissioner under 780 CMR; lists the CSL and HIC numbers
City / town
Set locally
Per project
780 CMR (10th ed.) Ch. 1; 780 CMR 110.R5
REQUIRED
§ 03 · Year-One Cost

What it costs to start general contracting in Massachusetts.

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
Massachusetts · General Contracting
HIC registrationNew registration, every 2 years thereafter at $100$150
Guaranty Fund payment0–3 employees $100 · 4–10 $200 · 11–30 $300 · 31+ $500$100–$500
CSL renewalEvery 2 years after the 3-year original license$100
CSL exam + initial licensePSI exam and BBRS issuance feesPer PSI / BBRS schedule
Year-one floor$250–$650 to register as an HIC + CSL exam and license fees
Excludes tools, vehicle purchase, payroll, and marketing.
NOTE
Two credentials, two agencies

The CSL (BBRS) licenses the supervisor; HIC registration (OCABR) registers the business contracting with homeowners. Neither substitutes for the other.

NOTE
Guaranty Fund now pays up to $25,000

OCABR's current pages state the fund compensates eligible homeowners up to $25,000 — only if the contractor was registered and pulled the permit.

NOTE
New code, new exam

The 10th edition of 780 CMR (2021 I-Codes) took effect October 11, 2024 and became the only code after June 30, 2025; CSL exams switched to it January 1, 2025.

§ 04 · Path to First Job

From day zero to first inspection.

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

1
STEP 1
Document 3 years of experience (within 10 years)
Applicant
2
STEP 2
Pass the Unrestricted or One- and Two-Family CSL exam (10th-edition code)
PSI
3
STEP 3
Mail the score report + items to the BBRS
BBRS / OPSI
4
STEP 4
Register as an HIC (residential work)
OCABR — $150 + fund
5
STEP 5
Pull permits with CSL + HIC numbers
Local building commissioner
6
STEP 6
Continuing education, renew every 2 years
BBRS — $100
§ 05 · Compliance Checklist

Check them off.

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

01
Put a CSL on every regulated job
A licensed supervisor (or designee with an equal license) must be named on the permit and on site to approve regulated work; if the supervisor leaves, work stops until a successor is recorded.
STATEESSENTIAL780 CMR 110.R5.2.12
BBRSIssuing authority
02
Register before you bid
No contractor or subcontractor may offer or agree to perform residential contracting without HIC registration.
STATEESSENTIALM.G.L. c. 142A, § 9(a)
OCABRIssuing authority
03
Put jobs over $1,000 in writing
Residential contracts over $1,000 must be written with the required terms; deposits may not exceed the greater of one-third of the price or the cost of special-order materials.
CONSUMERESSENTIALM.G.L. c. 142A, § 2(a)
You + homeownerIssuing authority
04
Show your HIC number
Building permits, contracts, and advertising for residential contracting must carry your active registration number.
CONSUMERADVERTISINGM.G.L. c. 142A, § 17 (per OCABR)
YouIssuing authority
05
Finish CE 60 days before expiration
12 hours (unrestricted), 10 (one- and two-family), or 6 (specialty) every 2 years, with at least one hour each of code, workplace safety, business practices/workers' comp, and energy; up to 6 hours online.
RENEWALEDUCATION780 CMR 110.R5.4
BBRS-approved providerIssuing authority
§ 06 · Enforcement

What the law does about unlicensed general contracting work.

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

§
M.G.L. c. 142A, § 19Statute

Operating without HIC registration

Knowingly, willfully, or negligently performing residential contracting on an owner-occupied 1–4 unit home without a certificate of registration — or after it lapses, is suspended, or is revoked.

ConsequenceFine up to $5,000, up to 2 years' imprisonment, or both — on top of administrative sanctions
§
M.G.L. c. 143, § 94(a); 780 CMR 110.R5Statute

State building code violations

Supervising regulated construction without the required CSL violates 780 CMR, which is the state building code; practice on an expired CSL is expressly prohibited (780 CMR 110.R5.2.5).

ConsequenceFine up to $1,000, up to 1 year's imprisonment, or both, per violation; each day is a separate offense
§ 07 · Local Offices

Where the permit is filed, county by county.

Inside city limits, the city office listed here issues the permit; the county office serves unincorporated areas. Every office links to its official page.

§ 08 · Massachusetts FAQ

Questions general contracting contractors ask about Massachusetts.

Q01Do I need a general contractor license in Massachusetts?+
There is no license by that name. Structural work on 1- and 2-family homes and buildings under 35,000 cubic feet must be supervised by a Construction Supervisor License holder (780 CMR 110.R5), and contracting on an owner-occupied 1–4 unit home requires HIC registration (M.G.L. c. 142A, § 9).
Q02What is the difference between a CSL and an HIC registration?+
The CSL is an individual license from the BBRS to supervise structural building work under 780 CMR. HIC registration from OCABR is a consumer-protection registration for anyone contracting on an existing owner-occupied 1–4 unit home (M.G.L. c. 142A, § 9). They are not interchangeable; many residential jobs need both, though not necessarily held by the same person.
Q03What does HIC registration cost?+
$150 for a new registration plus a one-time Guaranty Fund payment: $100 for 0–3 employees, $200 for 4–10, $300 for 11–30, and $500 for more than 30 (c. 142A, § 11). Renewal is $100 every two years.
Q04Does Massachusetts accept my out-of-state contractor license?+
No. The BBRS states that Massachusetts does not recognize out-of-state contractor licenses; you need a Massachusetts CSL (and HIC registration for residential owner-occupied work).
§ 09 · Sources

Primary authorities, not secondary summaries.

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

Pending verification: Initial CSL license fee and PSI exam fee — mass.gov lists only the $100 renewal fee; c. 142A, § 11 ties the HIC fee to the CSL fee, which suggests but does not confirm a $150 initial CSL fee · Statutory or regulatory source of the $25,000 Guaranty Fund cap shown on OCABR's pages (c. 142A, § 6 as retrieved states no dollar cap; the change date was not found) · The homeowner exemption language in 780 CMR (10th ed.) Chapter 1 — referenced by the BBRS but not retrieved · Whether a workers' compensation affidavit is collected at HIC registration or only at permit application (not confirmed on an official page)

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

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