Maryland Contractor Business & Law — Requirements & Free Practice
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Home Improvement Contractor License
Individual or sole-proprietor MHIC licence to perform home improvements, act as a subcontractor, and sell home improvements.
Licensing authority: Maryland Home Improvement Commission · Application information
Contractor initial business experience substitution
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Experience
- The Commission may substitute supervisor, manager or business-owner experience for one of the two required trade-experience years; the remaining trade-experience year must be satisfied.
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
Contractor initial disability individual review
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Individual Review
- Documented handicaps allow the Commission to consider experience or educational qualifications individually under COMAR 09.08.01.23C.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
Contractor initial education
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Education
- Comparable education may replace the required trade experience: vocational school building-trade training or a building-trade work-study program under COMAR 09.08.01.23B.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
Contractor initial military experience credit
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Military Credit
- Relevant active-service experience counts toward practice years; military training and education count if the Commission determines substantial equivalence and consistency with other licensing requirements under §2.5-105.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
Contractor initial trade experience
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Experience
- At least two years of verified trade experience. COMAR 09.08.01.23A lists apprenticeship, home improvement or commercial/residential construction work, charitable building work, and qualifying work on one’s own or family home; two years as a licensed salesperson may count at Commission discretion.
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
Contractor late renewal after two years good cause
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Individual licence holder continues to meet MHIC requirements.
- Term
- Renewal is for an additional two-year term.
- Timing
- More than two years after expiration, the application is presumed new, but the Commission may treat it as renewal on a showing of good cause.
Official no-examination sources
Effective from 2026-09-22.
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18B
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
Contractor late renewal within two years
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Effective Period
- Renewal takes effect when renewal requirements are fulfilled, without retroactive effect; expires two years after the prior licence expiration.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Individual licence holder continues to meet MHIC requirements.
- Term
- Renewal is for an additional two-year term.
- Timing
- Within two years after expiration, the application is presumed to be renewal; good cause may instead cause it to be treated as a new application.
Official no-examination sources
Effective from 2026-09-22.
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18A
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18C
Contractor military deployment late renewal
- Fees
- §2.5-104 permits renewal after the normal period without penalty or reinstatement fee; other renewal requirements continue to apply.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Military Deployment
- Active service member deployed outside Maryland; late renewal must directly result from deployment.
Official no-examination sources
Effective from 2026-09-22.
- Maryland Business Regulation Article
Business Regulation §2.5-104
- MHIC Veterans Full Employment Act licensing guidance
Renewing an Expired MHIC License
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
Contractor military expedited
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Board Military Statement
- The MHIC military guidance asks veterans to apply within one year after discharge and states $50,000 insurance. Current §2.5-101(c) defines an eligible veteran by discharge before application without that one-year limit; §8-302.1 requires $500,000 contractor insurance.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Expedited Processing
- Provide status and licence proof, the full application, any required background-check application and fees; issue within 60 days after a completed application if licensing requirements are met.
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Military Status
- Active service member, eligible veteran, or eligible spouse as defined in Business Regulation §§1-101 and 2.5-101.
- Prior License
- Hold a valid licence in good standing from another state for at least one year; every other-state licence must be in good standing.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
- Residence
- Service member or veteran must be assigned to a Maryland duty station or have established Maryland legal residence; for an eligible spouse, that requirement applies to the spouse.
Contractor new application after expiration
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Expiration
- After more than two years of expiration the application is presumed new; within two years, good cause may cause it to be treated as new. New applications require the relevant MHIC exam within the preceding two years.
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
- Responsible Individual
- Applicant applies for the individual licence.
Contractor reactivation
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Prior Qualification
- Reactivation reissues the existing licence under §8-308.1(f); it does not impose the separate examination for disciplinary reinstatement stated in §8-316(b).
- Responsible Individual
- Reactivation applies to the existing individual licence.
- Status
- Existing MHIC licence on inactive status; apply for reactivation, pay the reissuance fee and meet licensing requirements under §8-308.1(f).
Official no-examination sources
Effective from 2026-09-22.
- Maryland Business Regulation Article
Business Regulation §8-308.1(f)(1)-(3)
Contractor reinstatement after revocation
- Disciplinary Status
- Previously revoked MHIC licence.
- Discretion
- Reinstatement is at Commission discretion and remains subject to eligibility requirements and satisfaction of the Commission’s disciplinary terms.
- Exam
- Under Business Regulation §8-316(b), reinstatement is permitted only if the person passes the examination the Commission requires.
- Waiting Period
- A revoked licensee may not reapply within six months after revocation (§8-316(a)).
Contractor reinstatement after suspension
- Disciplinary Status
- Previously suspended MHIC licence.
- Discretion
- Reinstatement is at Commission discretion and remains subject to eligibility requirements and satisfaction of the Commission’s disciplinary terms.
- Exam
- Under Business Regulation §8-316(b), reinstatement is permitted only if the person passes the examination the Commission requires.
- Waiting Period
- The six-month rule in §8-316(a) names revocation or denial after hearing; suspension is not listed.
Contractor renewal
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Individual licence holder continues to meet MHIC requirements.
- Term
- Renewal is for an additional two-year term.
- Timing
- Apply before expiration.
Official no-examination sources
Effective from 2026-09-22.
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
Corporate or Partnership Home Improvement Contractor License
MHIC business-entity contractor licence; the corporation or partnership employs an individual licensed contractor in responsible charge.
Licensing authority: Maryland Home Improvement Commission · Application information
Corporate partnership initial licensed responsible individual
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
- Responsible Individual
- Employ an individual licensed MHIC contractor in responsible charge under COMAR 09.08.01.04B. The individual takes the contractor exam and meets financial eligibility; the entity and individual are jointly responsible under .04C. The exam leaf describes the responsible individual’s examination, not a second exam sat by the entity.
Corporate partnership late renewal after two years good cause
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Corporate and partnership licensees continue to employ a licensed individual in responsible charge.
- Term
- Renewal is for an additional two-year term.
- Timing
- More than two years after expiration, the application is presumed new, but the Commission may treat it as renewal on a showing of good cause.
Official no-examination sources
Effective from 2026-09-22.
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18B
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
Corporate partnership late renewal within two years
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Effective Period
- Renewal takes effect when renewal requirements are fulfilled, without retroactive effect; expires two years after the prior licence expiration.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Corporate and partnership licensees continue to employ a licensed individual in responsible charge.
- Term
- Renewal is for an additional two-year term.
- Timing
- Within two years after expiration, the application is presumed to be renewal; good cause may instead cause it to be treated as a new application.
Official no-examination sources
Effective from 2026-09-22.
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18A
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
- COMAR 09.08 Home Improvement Commission
COMAR 09.08.01.18C
Corporate partnership new application after expiration
- Application
- Submit the Commission application, applicant and business information, experience record, applicable fees and Guaranty Fund assessment under Business Regulation §8-303.
- Board Insurance Statement
- The pinned MHIC License Categories and Requirements page states: "Proof of current $50,000 liability insurance must be filed with the application for licensure." The statute requires $500,000.
- Business Documents
- For a corporation submit articles of incorporation and a Certificate of Good Standing; identify a resident agent when acting through a corporation or limited partnership.
- Business Name
- Check availability with MHIC and register any trade name with the Department of Assessments and Taxation; contractor applications require an actual street address.
- Criminal History
- Disclose felony and relevant misdemeanor convictions and supply conviction records. A §8-601 conviction allows issuance only at Commission discretion after all outstanding obligations are settled and one year has passed since conviction.
- Exam Timing
- Pass the MHIC contractor examination before applying for an original licence; passing must be within the two years immediately preceding receipt of the licence application (COMAR 09.08.01.16H).
- Expiration
- After more than two years of expiration the application is presumed new; within two years, good cause may cause it to be treated as new. New applications require the relevant MHIC exam within the preceding two years.
- Financial Solvency
- Submit an approved credit report and outstanding judgments and pending civil actions. Under COMAR 09.08.01.19 an applicant below the maximum single-claim Fund award in net worth must obtain a two-year surety bond for that amount; maintain it unless sufficient net worth is demonstrated and cancellation authorized.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Reciprocity
- The MHIC Licensing FAQs for Applicants, item 15, states: "The Maryland Home Improvement Commission does not offer reciprocity with any other states because each licensee must demonstrate knowledge of Maryland laws and regulations." An out-of-state licence does not replace the MHIC exam.
- Responsible Individual
- If applying as a corporation or partnership, employ an individual licensed contractor in responsible charge.
Corporate partnership reactivation
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Prior Qualification
- Reactivation reissues the existing licence under §8-308.1(f); it does not impose the separate examination for disciplinary reinstatement stated in §8-316(b).
- Responsible Individual
- For a corporate or partnership licence, maintain the licensed individual in responsible charge.
- Status
- Existing MHIC licence on inactive status; apply for reactivation, pay the reissuance fee and meet licensing requirements under §8-308.1(f).
Official no-examination sources
Effective from 2026-09-22.
- Maryland Business Regulation Article
Business Regulation §8-308.1(f)(1)-(3)
Corporate partnership reinstatement after revocation
- Disciplinary Status
- Previously revoked MHIC licence.
- Discretion
- Reinstatement is at Commission discretion and remains subject to eligibility requirements and satisfaction of the Commission’s disciplinary terms.
- Exam
- Under Business Regulation §8-316(b), reinstatement is permitted only if the person passes the examination the Commission requires.
- Waiting Period
- A revoked licensee may not reapply within six months after revocation (§8-316(a)).
Corporate partnership reinstatement after suspension
- Disciplinary Status
- Previously suspended MHIC licence.
- Discretion
- Reinstatement is at Commission discretion and remains subject to eligibility requirements and satisfaction of the Commission’s disciplinary terms.
- Exam
- Under Business Regulation §8-316(b), reinstatement is permitted only if the person passes the examination the Commission requires.
- Waiting Period
- The six-month rule in §8-316(a) names revocation or denial after hearing; suspension is not listed.
Corporate partnership renewal
- Credit Report
- Submit the approved credit report or pay the report fee under §8-308(e); pay the Guaranty Fund assessment required by COMAR 09.08.01.18D.
- Eligibility
- Existing licence; remain entitled to licensure and submit the Commission renewal application and fees under §8-308.
- Insurance
- Maintain at least $500,000 general liability insurance under Business Regulation §8-302.1; submit proof with the application.
- Lead Abatement
- If providing lead paint abatement services, supply the Maryland Department of the Environment accreditation number and expiration date.
- Responsible Individual
- Corporate and partnership licensees continue to employ a licensed individual in responsible charge.
- Term
- Renewal is for an additional two-year term.
- Timing
- Apply before expiration.
Official no-examination sources
Effective from 2026-09-22.
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (i) otherwise is entitled
- Maryland Business Regulation Article
Business Regulation §8–308, paragraph beginning (f) (1) The Commission shall renew
Temporary Home Improvement Contractor License
Military-related temporary contractor licence under Business Regulation §2.5-107 while completing Maryland licensing requirements; term is set by the Commission.
Licensing authority: Maryland Home Improvement Commission · Application information
Temporary contractor military
- Board Instructions
- The military page requests the veterans application, other-state licence and good-standing certificate, Maryland assignment or residence evidence, financial statement and three months of bank statements, exam registration, fees, identity document and organizing documents for a business name.
- Discretion
- The Commission may issue the temporary licence only if issuance does not pose a public-health, welfare or safety risk.
- Eligibility
- Active service member, eligible veteran or eligible spouse with an other-state licence held in good standing for less than one year; every licence held must be in good standing under §2.5-107(a).
- Exam Timing
- The Board expressly describes temporary issuance while preparing to take the MHIC exam; the contractor exam remains involved for completion of Maryland licensure, and is not asserted as a prerequisite to the temporary grant.
- Insurance
- The military guidance requests $50,000 insurance, while §8-302.1 requires contractor applicants and licensees to maintain $500,000.
- Term
- The Commission determines the limited period during which Maryland licensing requirements must be completed.
Maryland Home Improvement Contractor Examination
- Provider
- PSI Services LLC
- Format
- Open-book computer examination
- Exam questions
- 55 scored items; 5–10 additional unscored experimental questions may be administered
- Time limit
- 150 minutes
- Passing score
- 39 correct answers
Examination outline
- Home Improvement Law
- Door-to-Door Sales Act
- Labor Laws
- Safety Regulations
- Estimating
Examination sources
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline heading
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline item A
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline item B
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline item C
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline item D
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR outline item E
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR passing score
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 6, Test Question Screen
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, Scheduling Procedures, prior approval
- PSI Maryland Home Improvement Contractor and Salesperson Candidate Information Bulletin
Printed page 3, CONTRACTOR examination duration