New Jersey Division of Consumer Affairs, Office of Consumer Protection, Regulated Business Section

Home Improvement Contractor Registration

Registration rather than licensure, and the money is the smallest part of it. Half a million dollars of commercial general liability cover is required for each occurrence, a million for home elevation, plus workers' compensation, and since 2024 an additional security deposit banded by contract value — $10,000, $25,000 or $50,000 depending on the size of the job and of the previous year's book. The regimes do not stack by default: architects, engineers, land surveyors, electrical contractors and master plumbers acting within their own scope are statutorily exempt from this registration. A separate individual home improvement license was created by the same 2023 act but remains inoperative until the new board makes rules, so it is not recorded here. One conflict worth knowing: the department's own consolidated rule compilation still prints the older $90 and $75 figures, and it is demonstrably stale — the live application says $110.