St. Cloud Building Contractor Bond
What it is & who requires it
Building contractors licensed by St. Cloud. The question worth settling before quoting is why this license survives at all when state law forbids a city to license a person holding a state residential building contractor license. The answer is scope: the state license and its preemption reach residential work on buildings of not more than four dwelling units, and a city building contractor license that reaches commercial and larger multifamily construction sits outside that prohibition entirely. So the population here is the commercial builder, not the house builder — and a residential contractor already licensed by the state should ask the building official to confirm the exemption rather than buying a second bond by default. The condition is a consumer condition as much as a city one: the ordinance makes the bond payable to and for the benefit of the city AND THE CONSUMER, which is unusual language for a municipal contractor bond and puts a private claimant directly on the instrument.
Obligee: City of St. Cloud (Building Official, Community Development). Citation: St. Cloud City Code § 300:00 (Minnesota State Building Code — licensing: the contractor, before being granted a license, will file with the building official a bond, executed by the contractor as principal and by a corporate surety duly authorized under the laws of the State of Minnesota to execute the bond as surety, in the sum of $25,000.00; the bond shall be payable to and for the benefit of the city and the consumer and will be subject to approval by the city attorney); Chapter III (Building and Housing Code), § 300 (State Building Code Regulations); § 510:00 (Business licenses, permits and fees); Minn. Stat. § 326B.835 (a political subdivision may not require a person licensed under §§ 326B.802 to 326B.885 to also be licensed).
Bond amount
The required bond amount is $25,000.
How to get it
This bond is individually underwritten, so it is not issued instantly. Request a quote and a licensed producer follows up to walk you through it.
Request a bond quote
Tell us about the bond and the project. A licensed producer follows up — these bonds are individually underwritten, so they are not issued instantly.
Term & renewal
Term: Filed with the building official before the license is granted, payable to and for the benefit of both the city and the consumer, and approved by the city attorney.
Renewal: Annual, with the building contractor license.
Filing
Filed with the building official before the license is granted, executed by the contractor as principal with a corporate surety authorized under Minnesota law, and subject to the city attorney’s approval. The figure renders because the ordinance states a flat sum and offers no cash or deposit alternative. Note that the same chapter carries two more bonds at different figures for the trades — a plumbing bond and a mechanical bond — and that both of those are displaced by state law for the trades they name, while this one is not. A contractor holding several St. Cloud licenses should establish which of them the city is actually enforcing a bond against before buying more than one.
Source
Verified against the obligee source (last checked 2026-09-07).
Related Minnesota bonds
Frequently asked questions
- Who requires the St. Cloud Building Contractor Bond?
- It’s required by City of St. Cloud (Building Official, Community Development) (St. Cloud City Code § 300:00 (Minnesota State Building Code — licensing: the contractor, before being granted a license, will file with the building official a bond, executed by the contractor as principal and by a corporate surety duly authorized under the laws of the State of Minnesota to execute the bond as surety, in the sum of $25,000.00; the bond shall be payable to and for the benefit of the city and the consumer and will be subject to approval by the city attorney); Chapter III (Building and Housing Code), § 300 (State Building Code Regulations); § 510:00 (Business licenses, permits and fees); Minn. Stat. § 326B.835 (a political subdivision may not require a person licensed under §§ 326B.802 to 326B.885 to also be licensed)). Building contractors licensed by St. Cloud. The question worth settling before quoting is why this license survives at all when state law forbids a city to license a person holding a state residential building contractor license. The answer is scope: the state license and its preemption reach residential work on buildings of not more than four dwelling units, and a city building contractor license that reaches commercial and larger multifamily construction sits outside that prohibition entirely. So the population here is the commercial builder, not the house builder — and a residential contractor already licensed by the state should ask the building official to confirm the exemption rather than buying a second bond by default. The condition is a consumer condition as much as a city one: the ordinance makes the bond payable to and for the benefit of the city AND THE CONSUMER, which is unusual language for a municipal contractor bond and puts a private claimant directly on the instrument.
- How much is the St. Cloud Building Contractor Bond?
- The bond amount is $25,000.
- How do I get the St. Cloud Building Contractor Bond?
- This bond is individually underwritten, so it is not issued instantly. Request a quote and a licensed producer follows up to walk you through it.
- What is the term?
- Filed with the building official before the license is granted, payable to and for the benefit of both the city and the consumer, and approved by the city attorney. Renewal: Annual, with the building contractor license.
- Is this bond insurance for me?
- No. It protects the obligee and the public — not you. If a valid claim is paid, you repay the surety.
- How is this requirement verified?
- We verify it against the obligee’s primary source (last checked 2026-09-07); the source link is on this page.
