What Can a Handyman Do Without a License? The Dollar Limits in Every State

Devon Davila · 2026-10-26

Whether you need a license to do small jobs depends on three things: the dollar threshold in your state, the conditions attached to it, and the trade. The thresholds run from $500 to $10,000. The conditions usually include "do not advertise as a contractor," "do not split the job," and often "no building permit required." The trade rule is the same everywhere: electrical, plumbing, HVAC and gas work need a trade license at any price.

Quick answer: Nineteen states exempt small jobs from contractor licensing below a per-job dollar amount, ranging from $500 in Washington to $10,000 in Alaska; five more set a higher license line, and five measure annual receipts instead. California's limit is $1,000 (raised from $500 in 2025), Florida's is $2,500, Utah's is $7,000 (raised from $3,000 in 2025), and Arizona, Nevada, Oregon and Virginia are all $1,000. Seven states and the District of Columbia require registration or a license for any amount. Thirteen states have no statewide general-contractor license at all and leave it to cities and counties. In every state, electrical, plumbing, HVAC and gas work require a trade license regardless of price, and nearly every exemption is lost if you advertise as a contractor or split a job to stay under the line.

How to read a threshold

A handyman exemption is a sentence in a licensing statute that says, roughly, "this chapter does not apply to work under $X." The sentence always carries fine print, and the fine print decides whether you are exempt.

Basis. Most states measure the "aggregate contract price for labor and materials and all other items." A $900 labor-only quote for a $2,000 job is not under California's $1,000 limit; the materials count. Minnesota, Nebraska, New Mexico, Iowa and Pennsylvania measure annual receipts instead of a per-job price.

Anti-splitting. Nearly every per-job exemption says it "does not apply when the work is only a part of a larger or major operation" or when "a division of the operation is made in contracts of amounts less than" the limit "for the purpose of evasion." Two $900 contracts for one $1,800 bathroom are one $1,800 job.

Advertising. California, Arizona, Florida, Oregon, Washington, Alaska and New Mexico strip the exemption from anyone who "advertises or puts out a sign or card or other device that might indicate to the public that the person is a contractor." A Google Business Profile that says "licensed contractor" ends the exemption. Arizona allows advertising only if it discloses that you are not licensed.

Permits. California, Arizona, Nevada, Hawaii and Utah deny the exemption to any work that requires a building permit, whatever the price.

Employees. California's exemption is lost if you "employ another person to perform, or assist in performing, the work." Montana's new law exempts "an independent contractor who has no employees" at any price.

Trades. No exemption covers electrical, plumbing, HVAC or gas work. Nevada's statute names "plumbing, electrical, refrigeration, heating or air-conditioning" explicitly; Utah's lists plumbing, electrical, HVAC, gas appliances, fire protection, alarms and radon systems; New Mexico's excludes "electrical wiring, plumbing or gas fitting." Where a statute is silent, the separate trade-licensing act still applies.

Errata: what the ranking pages get wrong

Verified against statute text 2026-10-24 and 2026-10-25.

Claim on ranking pagesWhat the statute says
California: $500 (InvoiceOwl 2023, most Spanish-language pages, forum consensus)B&P Code §7048: "less than one thousand dollars ($1,000)," effective January 1, 2025 (AB 2622).
Utah: $3,000 (nearly every page)Utah Code §58-55-305(1)(h): "a contracted or agreed value of less than $7,000," effective May 7, 2025 (HB 483 of 2024). The $3,000 figure survives only as the point above which a one-time insurance affirmation must be filed.
Montana: "registration only if you have employees, MCA 39-9"Title 39, chapter 9 was repealed effective January 1, 2026. Montana now issues a construction contractor license under Title 37, chapter 45. The no-employee exemption survives (§37-45-104(24)), plus a $2,500-per-job casual-work exemption (§37-45-104(8)).
Louisiana: $7,500 to $75,000 registration; license above $75,000 (including the licensing board's own site)Act 178 of 2024, effective August 1, 2024: home improvement registration covers $7,500 to under $50,000; the residential license is required at $50,000.
Oregon: $500 (vortechpro)ORS 701.010(4): "less than $1,000," and only for work "of a casual, minor or inconsequential nature," and never for anyone who advertises as a contractor.
Washington: "any paid work requires registration" (vortechpro)RCW 18.27.090(9) exempts casual work where the aggregate price "is less than five hundred dollars," unless the person advertises as a contractor.
West Virginia: $2,500W. Va. Code §30-42-3: "$5,000 or more for residential work or $25,000 or more for commercial work."
South Carolina specialty trades: $200S.C. Code §40-59-20(7): "when the undertakings exceed five hundred dollars," raised by Act 186 of 2022.
Georgia: "exemption under §43-41-17"The $2,500 threshold is in the definition of "residential contractor" in §43-41-2. Section 43-41-17 is the section that makes an unlicensed contractor's contract unenforceable.
New Mexico: "$7,200 per job"NMSA §60-13-3(D)(14): work that "in the aggregate or singly, does not exceed seven thousand two hundred dollars ($7,200) compensation a year," with an annual declaration filed with the state.
Virginia Class B/A limits: $10,000 / $120,000Va. Code §54.1-1100: Class C is "over $1,000 but less than $30,000"; Class B "$30,000 or more, but less than $150,000"; Class A "$150,000 or more."
Minnesota: "$15,000 exemption" with no conditionsMinn. Stat. §326B.805 subd. 6: the person must first obtain a certificate of exemption and file an annual affidavit of receipts. It is not self-executing.
Alabama general contractors: $50,000 (nearly every page)Act 2024-277, effective October 1, 2024, raised the §34-8-1 threshold for general contractors and subcontractors to "one hundred thousand dollars ($100,000) or more." The residential home-builder line ($10,000) did not change.
Tennessee: "no license under $25,000"True statewide, except that a Home Improvement license is required for jobs of $3,000 to $24,999 in Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford and Shelby counties.

The table

Confidence: H = statute or board text read; M = official summary, legislature PDF or code mirror read; L = city rules known only from secondary sources.

3a. States with a per-job dollar exemption

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Alaska$10,000aggregate price, labor + materials + all items, one projectpart of a larger operation; split to evade; advertising as a contractor; insurance still required at $2,500 and upAS 08.18.1612026-10-25M
Utah$7,000contracted or agreed value, including all change orderslicensed trades always excluded; above $3,000 a one-time insurance affirmation must be filed with DOPLUtah Code §58-55-305(1)(h)2026-10-25H
West Virginia$5,000 residential ($25,000 commercial)cost of the undertaking—W. Va. Code §30-42-32026-10-24H
North Dakota$4,000cost, value or price per jobunlicensed contractor may not sue; Class A misdemeanorN.D.C.C. §43-07-022026-10-25H
Tennessee$3,000 in nine counties (home improvement license); $25,000 elsewheretotal cost—T.C.A. §62-6-501, §62-6-1022026-10-25H
Florida$2,500aggregate price, labor + materials + all itemspart of a larger operation; split to evade; advertising as a contractor; never structural, electrical or plumbingFla. Stat. §489.103(9)2026-10-24H
Georgia$2,500total value of the work or compensation, whichever higherunlicensed contracts unenforceable and no lien (§43-41-17(b))O.C.G.A. §43-41-22026-10-25H
Montana$2,500 per job; and no license needed at any price for an independent contractor with no employeesaggregate contract pricepart of a larger operation; split to evadeMCA §37-45-104(8), (24) (effective 2026-01-01)2026-10-25H
Arkansas$2,000 (residential)cost of the worksplit into contracts under $2,000A.C.A. §17-25-513(3)2026-10-25H
Idaho$2,000aggregate price, labor + materials + all itemscasual, minor or inconsequential only; part of a larger project; split to evadeIdaho Code §54-5205(2)(f)2026-10-25H
Hawaii$1,500 (a bill to raise it to $2,500, HB 846, was carried over to the 2026 session and had not passed as of this verification)aggregate price, labor + materialsany work requiring a building permit, regardless of priceHRS §444-2(4)2026-10-26H
Arizona$1,000aggregate price, labor + materials + all items, one projectlocal building permit required; part of a larger operation; split to evade; advertising without disclosing unlicensed statusA.R.S. §32-1121(A)(14)2026-10-24H
California$1,000aggregate price, labor + materials + all itemsnot casual/minor; building permit required; employs anyone; advertises as a contractor; part of a larger operation; split to evadeB&P Code §70482026-10-24H
Nevada$1,000 (repair and maintenance work)value including labor and materialsbuilding permit required; plumbing, electrical, refrigeration, heating or air-conditioning work; health-and-safety classificationsNRS §624.031(6)2026-10-24H
Oregon$1,000aggregate of all the person's contracts on the projectcasual, minor or inconsequential only; advertising as a contractorORS §701.010(4)2026-10-24H
Virginia$1,000 (Class C license required above)single contract or project valueunlicensed contracts unenforceable absent good faith (§54.1-1115(C))Va. Code §54.1-11002026-10-24H
Michigan$600aggregate price, labor + materials + all itemspart of a larger operation; split to evade; unlicensed builders may not sue (§339.2412)MCL §339.24032026-10-24H
Washington$500aggregate price, labor + materials + all itemscasual, minor or inconsequential only; part of a larger operation; split to evade; advertising as a contractor; unregistered contractors may not sue (§18.27.080)RCW §18.27.090(9)2026-10-24H
South Carolina$500 (specialty trades); $5,000 (residential builder)cost of the undertakingunlicensed may not file a lien or sue (§40-59-30(B))S.C. Code §40-59-202026-10-24H

3b. States with a higher-dollar license line (handyman-scale work is below it)

StateLicense required atStatuteVerifiedConf
North Carolina$40,000 (general contractor)G.S. §87-1; Class 2 misdemeanor §87-132026-10-24H
Mississippi$10,000 remodeling; $50,000 new residentialMiss. Code §73-59-12026-10-25H
Alabama$10,000 residential (roofing $2,500); $100,000 general contractor (raised from $50,000 by Act 2024-277, effective 2024-10-01)Code of Ala. §34-14A-2; §34-8-12026-10-26H
Vermont$10,000 (registration)26 V.S.A. §55012026-10-25H
Louisiana$7,500 (home improvement registration; license at $50,000)R.S. 37:2150.1 as amended by Act 178 of 20242026-10-25H

3c. States that measure annual receipts, not job price

StateExempt belowWhat it isStatuteVerifiedConf
Minnesota$15,000 gross annual receiptsresidential building contractor license; requires a certificate of exemption and an annual affidavitMinn. Stat. §326B.805 subd. 62026-10-24H
New Mexico$7,200 compensation per yearcasual-work exemption; annual declaration; no advertising; never electrical, plumbing or gasNMSA §60-13-3(D)(14)2026-10-25H
Nebraska$5,000 annual earningscontractor registration (not a competency license)Neb. Rev. Stat. §48-21042026-10-25H
Pennsylvania$5,000 total home-improvement value in the prior tax yearhome improvement contractor registration (HICPA); "home improvement" itself means jobs over $50073 P.S. §517.2, §517.32026-10-25H
Iowa$2,000 annual construction earningscontractor registration (Division of Labor)Iowa Code ch. 91C2026-10-25H

3d. Registration or license required for any amount

StateRegimeStatuteVerifiedConf
ConnecticutHome improvement contractor registrationC.G.S. ch. 4002026-10-25H
MarylandMHIC license for all home improvementBus. Reg. §8-3012026-10-25H
MassachusettsHome improvement contractor registration; Construction Supervisor License for permit workM.G.L. c.142A §92026-10-25H
New JerseyHome improvement contractor registrationN.J.S.A. 56:8-1382026-10-25H
Rhode IslandContractor registrationR.I.G.L. §5-65-32026-10-25H
District of ColumbiaHome improvement contractor license; unlicensed persons may not take any payment before completing the work16 DCMR §800.12026-10-25M
DelawareBusiness license from the Division of Revenue ($75); no competency license exists30 Del. C. §25022026-10-25H
WisconsinDwelling Contractor certification required to pull a one- or two-family building permit; no dollar lineWis. Stat. §101.6542026-10-25M

3e. No statewide general-contractor or handyman license (cities and counties decide)

Maine has no state general-contractor license; its home construction contract statute (10 M.R.S. §1487) applies to jobs over $3,000 but is a contract law, not a licensing law.

StateState licenses onlyLocal examplesVerifiedConf
Coloradoelectricians, plumbers (DORA)Denver Community Planning and Development "issues contractor licenses and certificates to individuals and companies who perform various types of construction and trade work in Denver," with no reciprocity; county building departments elsewhere2026-10-26M
Illinoisroofing, plumbingChicago general contractor license2026-10-25M
IndianaplumbingIndianapolis/Marion County licenses general, electrical, HVAC, wrecking and plumbing contractors under Revised Code ch. 875; Fort Wayne/Allen County registers contractors2026-10-26M
Kansasnone of the building tradesJohnson County issues 11 license classes (General A, Building B, Residential C, Electrical, Fire Protection, Mechanical, Plumbing, Roofing, Swimming Pool, Wood Framing) with no handyman class; Sedgwick County/Wichita licenses general classes A–D and the trades2026-10-26M
Kentuckyplumbers, electricians, boilers, sprinklers and fire alarms (DHBC); HVAC under KRS 198Blocal building departments (Louisville Metro, Lexington)2026-10-26M
Missourinone statewideKansas City licenses residential building contractors; St. Louis County certifies electrical, plumbing and mechanical contractors (city pages could not be read directly)2026-10-26L
New Hampshireelectricians, plumbers, gas fitters (OPLC)—2026-10-25M
New Yorknone statewideNew York City home improvement contractor license (any amount); Suffolk County license required to "engage in any business in the County regulated by this chapter" (County Code §563-3); Westchester County license required (County Code ch. 863, art. XVI); Nassau County license for residential remodeling (Admin. Code tit. D, §21-10 et seq.)2026-10-26H
Ohioelectrical, HVAC, hydronics, plumbing, refrigeration (OCILB)residential contractors regulated by local building departments2026-10-25M
Oklahomaelectrical, plumbing, mechanical; roofing registration (CIB)"General Contractors are not currently required to have a state license in Oklahoma"2026-10-25H
South Dakotaelectricians, plumbers (state commissions)—2026-10-25M
Texaselectricians and HVAC (TDLR), plumbers (TSBPE)Austin: "trade contractors, general contractors, and homeowners acting as contractors must register" to activate a building permit; Dallas: Building Inspection registers general and trade contractors (residential, commercial, roofing, fence, foundation, demolition, pool); Houston: "General Contractors are not required to be licensed" to buy a building permit, while state-licensed electricians, air-conditioning contractors and plumbers must also "be registered with the City of Houston"2026-10-26H
Wyomingelectricians (State Fire Marshal)—2026-10-25M

The conditions, state by state, in the statute's words

California (B&P §7048). The exemption covers work where the "aggregate contract price for labor, materials, and all other items is less than one thousand dollars ($1,000)," provided the work "is of casual, minor, or inconsequential nature, and the work or operation does not require a building permit." It "does not apply in a case wherein the work of construction is only a part of a larger or major operation," nor where "a division of the operation is made in contracts of amounts less than one thousand dollars ($1,000) for the purpose of evasion." It is lost by anyone who "employs another person to perform, or assist in performing, the work or operation" or who "advertises or puts out a sign or card or other device that might indicate to the public that the person is a contractor." Contracting without a license is a misdemeanor (§7028) and bars any suit to collect (§7031).

Arizona (A.R.S. §32-1121(A)(14)). Exempt: "any work or operation on one undertaking or project by one or more contracts, for which the aggregate contract price, including labor, materials and all other items … is less than $1,000." Not exempt if a local building permit is required, if the work is "part of a larger or major operation," if contracts are divided under $1,000 to evade, or if the person advertises without disclosing that they are not a licensed contractor.

Florida (§489.103(9)). Exempt: "work or operation of a casual, minor, or inconsequential nature in which the aggregate contract price for labor, materials, and all other items is less than $2,500." Not exempt where the work "is a part of a larger or major operation, whether undertaken by the same or a different contractor, or in which a division of the operation is made in contracts of amounts less than $2,500 for the purpose of evading this part or otherwise," nor "to a person who advertises that he or she is a contractor or otherwise represents that he or she is qualified to engage in contracting."

Nevada (NRS §624.031(6)). Exempt: "any work to repair or maintain property the value of which is less than $1,000, including labor and materials, unless: (a) A building permit is required to perform the work; (b) The work is of a type performed by a plumbing, electrical, refrigeration, heating or air-conditioning contractor; (c) The work is of a type performed by a contractor licensed in a classification … that significantly affects the health, safety and welfare of members of the general public." Note "repair or maintain": new work is not covered.

Oregon (ORS §701.010(4)). Exempt when the "aggregate price of all of that person's contracts for labor, materials and all other items is less than $1,000" and the work is "of a casual, minor or inconsequential nature." "This subsection does not apply to a person who advertises or puts out any sign or card or other device that might indicate to the public that the person is a contractor."

Washington (RCW §18.27.090(9)). Exempt: "any work or operation on one undertaking or project by one or more contracts, the aggregate contract price of which for labor and materials and all other items is less than five hundred dollars," if casual, minor or inconsequential, not part of a larger operation, not split to evade, and the person does not advertise as a contractor. An unregistered contractor "may not bring or maintain any action in any court of this state for the collection of compensation" (§18.27.080).

Utah (§58-55-305(1)(h)). Exempt: "a person engaged in the alteration, repair, remodeling, or addition to or improvement of a building with a contracted or agreed value of less than $7,000," "including all changes or additions to the contracted or agreed upon work." Electrical, plumbing, HVAC, gas, fire-protection, alarm and radon work must be done by licensed trades regardless. Above $3,000 the person must file "a one-time affirmation" with the Division confirming liability insurance and, with employees, workers' compensation.

Idaho (§54-5205(2)(f)). Exempt: "work on one (1) undertaking or project considered casual, minor, or inconsequential, whether by one (1) or more contracts, the aggregate contract price of which, for labor and materials and all other items, is less than two thousand dollars ($2,000)," except "when the work or construction is part of a larger construction project … or in which a division of the operation is made into contracts of amounts of less than two thousand dollars ($2,000) for the purpose of evasion of this chapter or otherwise."

Michigan (MCL §339.2403). Exempt: "a person that is working on 1 undertaking or project by 1 or more contracts, if the aggregate contract price for the labor, material, and any other items for the undertaking or project is less than $600.00," unless part of a larger operation or split to circumvent licensing.

Georgia (§43-41-2, §43-41-17(b)). A residential contractor is anyone who undertakes residential work "where the total value of the work or activity or of the compensation to be received by the contractor for such activity or work, whichever is the higher, exceeds $2,500.00." A contract with an unlicensed contractor "shall be unenforceable in law or in equity by the unlicensed contractor," and "no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided."

Virginia (§54.1-1100, §54.1-1115). A Class C license is required when "the total value referred to in a single contract or project is over $1,000." An unlicensed contractor's contract "shall not be enforceable by the unlicensed contractor undertaking the work unless the unlicensed contractor (i) gives substantial performance within the terms of the contract in good faith and (ii) did not have actual knowledge that a license or certificate was required."

Montana (§37-45-104, effective 2026-01-01). The chapter does not apply "to an independent contractor who has no employees. However, an independent contractor may voluntarily elect to register under this chapter," nor to casual work with an aggregate price "less than $2,500 a job," nor to an owner working on the owner's property. Otherwise, "an individual or business entity may not engage in business as a construction contractor without a current license from the department" (§37-45-201).

New Mexico (§60-13-3(D)(14)). Exempt: casual, minor or inconsequential work on "one undertaking or project at a time that, in the aggregate or singly, does not exceed seven thousand two hundred dollars ($7,200) compensation a year," if the person "does not advertise or maintain a sign, card or other device which would indicate to the public that he is qualified to engage in the business of contracting" and files "annually with the division, on a form prescribed by the division, a declaration." The exemption "shall not apply to any undertaking or project pertaining to the installation, connection or repair of electrical wiring, plumbing or gas fitting."

Alaska (AS 08.18.161). Exempt: "work on one project under one or more contracts, the aggregate contract price of which for labor and materials and all other items is less than $10,000," not part of a larger operation, not split to evade, and not for a person who advertises as a contractor. "A contractor who performs work priced at $2,500 or more, under this exemption, shall nevertheless keep in force public liability and property damage insurance." Alaska also offers a "General Contractor – Handyman" registration for jobs up to $10,000 with a $5,000 bond.

Alabama (§34-14A-2). A residential home builder license is required when "the cost of the undertaking exceeds ten thousand dollars ($10,000)," and for roofing when it "exceeds two thousand five hundred dollars ($2,500)." "Anyone who engages or offers to engage in any acts described in this subdivision, through advertising or otherwise, shall be deemed to have engaged in the business of residential home building."

Arkansas (§17-25-513(3)). Exempt: "a person or entity acting as a residential building contractor or a home improvement contractor on any project, when the cost of the work done or to be done does not exceed two thousand dollars ($2,000)," unless "the construction work necessary to complete the project is divided into separate contracts of amounts less than two thousand dollars ($2,000)."

North Dakota (§43-07-02). "A person may not engage in the business nor act in the capacity of a contractor within this state when the cost, value, or price per job exceeds the sum of four thousand dollars nor may that person maintain any claim, action, suit, or proceeding in any court of this state related to the person's business or capacity as a contractor without first having a license." Unlicensed contracting "is guilty of a class A misdemeanor."

South Carolina (§40-59-20, §40-59-30(B)). Residential builders are licensed "when the cost of the undertaking exceeds five thousand dollars"; residential specialty contractors (carpenters, painters, drywall, masonry, siding, stucco, solar; and licensed plumbers, electricians and HVAC installers) "when the undertakings exceed five hundred dollars." An unlicensed person "may not file a mechanics' lien or bring an action at law or in equity to enforce the provisions of a contract."

Hawaii (HRS §444-2(4)). Exempt: "any project or operation for which the aggregate contract price for labor and materials is not more than $1,500." "This exemption shall not apply in any case where a building permit is required regardless of the aggregate contract price." A bill to raise the figure to $2,500 (HB 846) was introduced in January 2025 and carried over to the 2026 session without passing; as of October 2026 it had not been enacted, and pages already quoting $2,500 are ahead of the law.

What "no license needed" does not mean

An exemption from the contractor-licensing act is not an exemption from everything else.

  • Trade licenses. Every state licenses electrical and plumbing work separately, and most license HVAC and gas. The handyman exemption never reaches them. Several statutes say so in terms (Nevada, Utah, New Mexico, Florida); the rest leave it to the trade acts.
  • Permits. If the job needs a building permit, the exemption is gone in California, Arizona, Nevada, Hawaii and Utah, and in practice everywhere, because permit offices require a licensed or registered contractor to pull the permit (Wisconsin's entire regime is built on this).
  • Contract statutes. Illinois requires a written contract for home repair over $1,000 and a consumer-rights pamphlet. Pennsylvania's contract rules reach every "home improvement" over $500 even for a contractor who falls under the $5,000 registration exemption. See our companion reference on required contract terms and deposit limits.
  • Local registration. In the thirteen local-rule states and in cities like New York, Chicago and Kansas City, the city license is the only license, and it may have no dollar floor.
  • Collection. In California, Georgia, Virginia, Washington, South Carolina, North Dakota, Michigan and others, an unlicensed contractor cannot use the courts to collect. If a job that should have been licensed goes unpaid, the exemption question becomes the whole case.

Method and limits

We began with the fifty-state lists on the pages that rank for this question, then read the cited section at each state's statute host or licensing board. Where a cited section did not say what the page claimed, we recorded the discrepancy in section 2. For states with no statewide license we relied on the licensing board's own statement where one exists (Oklahoma's is explicit) and on the trade-licensing statutes otherwise; local ordinance details for those states come from secondary sources and are marked L.

Rows are dated because this area moves: California (2025), Utah (2025), Montana (2026), Louisiana (2024), Alabama (2024), South Carolina (2022) and Vermont (2022) all changed within four years, and Hawaii has a bill pending. We re-verify quarterly.

Last verified 2026-10-26. Not legal advice.

Can I split a big job into small invoices to stay under the limit?

No. Nearly every per-job exemption says it does not apply when "a division of the operation is made in contracts of amounts less than" the limit "for the purpose of evasion." Florida adds "or otherwise," which reaches splits made for any reason.

Does the limit include materials?

In most states, yes. California, Arizona, Florida, Idaho, Michigan, Oregon, Washington, Alaska and Hawaii all say "labor and materials" or "labor, materials, and all other items." Georgia uses the higher of the value of the work or the compensation received.

Can I call myself a handyman in my advertising?

Usually, but you cannot call yourself a contractor, and in Arizona you must say you are not licensed. California, Florida, Oregon, Washington, Alaska and New Mexico all void the exemption for anyone who advertises as a contractor.

I have no employees. Does that change anything?

In Montana, yes: an independent contractor with no employees is exempt at any price under the 2026 law. In California, the opposite: hiring a helper ends the exemption. Everywhere else, employees do not change the dollar line but do trigger workers' compensation rules.

Is the California limit $500 or $1,000?

$1,000, since January 1, 2025. Pages that say $500 are reading the old statute.

Is the Utah limit $3,000 or $7,000?

$7,000, since May 7, 2025. Between $3,000 and $7,000 you must file a one-time affirmation of insurance with the Division of Professional Licensing.

What is the highest handyman exemption in the country?

Alaska, at $10,000 per project, though insurance is required from $2,500. Utah's $7,000 is the highest in the lower 48 among per-job limits. North Carolina's general-contractor line is $40,000, but that is a license threshold for building contractors, not a handyman rule, and the trades remain licensed.

Sources

  1. Alabama: Home Builders Licensure Board, law and rules PDF (Code of Ala. §34-14A)
  2. Alabama Licensing Board for General Contractors notice of Act 2024-277 (§34-8-1, $100,000)
  3. Alaska: AS 08.18.161 (Justia mirror)
  4. Alaska Dept. of Labor, "Hiring a Contractor" guide (handyman registration tier)
  5. Arizona: A.R.S. §32-1121
  6. Arkansas: Residential Contractors Committee law and rules (A.C.A. §17-25-513)
  7. Arkansas §17-25-101
  8. California: B&P §7048 — §7028, §7031 (CSLB-published text)
  9. Connecticut: C.G.S. ch. 400
  10. Delaware: 30 Del. C. ch. 25
  11. District of Columbia: 16 DCMR §800
  12. Florida: §489.103
  13. Georgia: O.C.G.A. §43-41-2
  14. Georgia §43-41-17
  15. Hawaii: HRS §444-2
  16. Idaho: §54-5205
  17. Illinois: 815 ILCS 513
  18. Indiana: IC 24-5-11-10
  19. Iowa: Division of Labor, contractor registration
  20. Kentucky: Dept. of Housing, Buildings and Construction
  21. Kentucky 815 KAR (Cornell LII)
  22. Louisiana: Act 178 of 2024 digest
  23. Maryland: Bus. Reg. §8-301
  24. Massachusetts: M.G.L. c.142A §9
  25. Michigan: MCL §339.2403 — §339.2412
  26. Minnesota: §326B.805
  27. Mississippi: §73-59-1
  28. Montana: MCA §37-45-104 — §37-45-201
  29. Nebraska: §48-2104
  30. Nevada: NRS ch. 624
  31. New Hampshire: OPLC Mechanical Licensing Board
  32. New Jersey: N.J.S.A. 56:8-136 et seq.
  33. New Mexico: NMSA §60-13-3
  34. New York: NYC DCWP Home Improvement Contractor license
  35. New York Suffolk County Code ch. 563 (county PDF)
  36. New York Westchester County Consumer Protection
  37. New York Nassau County FAQ
  38. North Carolina: G.S. §87-1 — §87-13
  39. North Dakota: N.D.C.C. ch. 43-07
  40. Ohio: OCILB
  41. Oklahoma: Construction Industries Board
  42. Oregon: ORS §701.010
  43. Pennsylvania: Act 132 of 2008 §§2, 3
  44. Rhode Island: §5-65-3
  45. South Carolina: §40-59-20, §40-59-30
  46. South Dakota: Electrical Commission
  47. Tennessee: §62-6-102 — §62-6-501; Board for Licensing Contractors, Home Improvement license page
  48. Texas: TDLR
  49. Texas City of Austin contractor registration
  50. Texas Houston Permitting Center, Residential Permitting 101
  51. Utah: §58-55-305 (effective 2025-05-07)
  52. Utah HB 483 (2024)
  53. Vermont: 26 V.S.A. ch. 106
  54. Virginia: §54.1-1100 — §54.1-1115
  55. Washington: RCW 18.27.090 — 18.27.080
  56. West Virginia: §30-42-3
  57. Wisconsin: §101.654
  58. Wyoming: State Fire Marshal, electrical licensing

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