Contractor License in Massachusetts (MA) — Complete 2026 Guide
Yes, Massachusetts requires a contractor license for most construction work. The licensing is managed by the Office of Consumer Affairs and Business Regulation.
Whether you're a general contractor, specialty contractor, or residential builder, understanding Massachusetts's licensing requirements is essential before you take on any projects in the state.
📋 Massachusetts Contractor License Requirements
License Types
- Construction Supervisor (Unrestricted)
- Construction Supervisor (Restricted)
Project Threshold
License required for projects valued at $0 or more
Exam Required
Yes — You must pass a trade and/or business exam
Insurance Required
Yes — General liability insurance is required
Bond Required
No surety bond required
Renewal
Biennial renewal with 12 hours of continuing education
Application Fees
$200-$350 (varies by license class)
📝 How to Get a Contractor License in Massachusetts
Meet Basic Eligibility
You must be at least 18 years old, have relevant experience in construction (typically 2-4 years), and have a clean criminal background. Some states also require proof of financial solvency.
Pass the Required Exams
The Massachusetts contractor exam typically covers trade knowledge, business law, safety regulations, and project management. Study guides and prep courses are available.
Get Insurance & Coverage
Obtain general liability insurance (minimum $500,000-$1,000,000 recommended). Workers' compensation insurance is also required if you have employees.
Submit Your Application
File your application with the Office of Consumer Affairs and Business Regulation. Include all required documentation, proof of insurance, and application fee ($200-$350).
Maintain Your License
Renew your license biennial and complete 12 hours of continuing education. Keep your insurance and current at all times.
💰 Cost of Getting Licensed in Massachusetts
The total cost to obtain a contractor license in Massachusetts includes:
- Application fee: $200-$350
- Exam fee: $75-$150 (if required)
- General liability insurance: $500-$2,000/year (varies by coverage)
- Workers' compensation: Required if you have employees ($1,000-$5,000+/year)
- Business registration: $50-$500 depending on entity type
Estimated total startup cost: $1,500-$5,000 depending on your license class and business structure.
📥 Free Contractor Business Toolkit
Get free invoice templates, estimate forms, and profit tracking spreadsheets built for contractors.
❓ Frequently Asked Questions
Do I need a contractor license in Massachusetts?
Yes. Massachusetts requires a contractor license for projects valued at $0 or more. The license is issued by the Office of Consumer Affairs and Business Regulation.
How long does it take to get a contractor license in Massachusetts?
The process typically takes 2-8 weeks, depending on application volume, exam scheduling, and completeness of your documentation. Having all your paperwork ready can speed up the process significantly.
Can I work in Massachusetts with an out-of-state license?
Generally no. Massachusetts requires its own state-specific license. You should contact the Office of Consumer Affairs and Business Regulation for the most current reciprocity information.