Do you need a license to do General Contractor work in Mississippi?

Yes. Mississippi requires a state-issued General Contractor contractor license to perform General Contractor work. The state does NOT impose a specific years-of-experience requirement on general-contractor applicants. INSTEAD, applicants must show experience in the classification(s) of work requested by listing at least 3 jobs completed in the requested classification within the past three years, submit a reviewed or audited financial statement, demonstrate minimum net worth, provide three reference letters (one from a bank), and pass a Law and Business Management exam (and a trade exam where required).

How much does an General Contractor license cost in Mississippi?

Commercial Application (1 classification): $400.00; Commercial License – Additional Classification: $100.00; Commercial License Renewal: $400.00; Commercial License Renewal – Late Fee: $50.00; Commercial License – Name Change: $50.00; Commercial Fee (To make license Inactive): $25.00; Commercial Fee (To reactivate license): $25.00; Duplicate Commercial License Fee: $50.00; Reciprocity/Verification of License: $25.00; Request for Waiver of Exam: $50.00; Request for Oral Examination: $50.00; Request for Change in Qualifying Party: $25.00; Public Information Requests (copying records): $0.50/pg.; Public Information Requests (administrative time/shipping & handling): $25.00; Mailing List (all active contractors): $500.00; Returned Check Fee: $40.00.

How often do you renew an General Contractor license in Mississippi?

Annual. "All original certificates and shall expire one (1) year from the date of issuance." Renewal notices will be email-only beginning in 2026.

Does a Mississippi General Contractor license transfer to other states?

MSBOC has reciprocity agreements for waiver of the trade exam with: Alabama General Contractors Board, Alabama Electrical Board, Alabama Board of Heating and Air Conditioning Contractors, Alabama Home Builders Licensure Board, Arkansas Contractor Licensing Board, Georgia Board of Residential and General Contractors, and Louisiana Licensing Board for Contractors (list truncated in source). A $50 fee is charged for EACH exam waived. Reciprocity applies to waiver of a trade exam only; it does not waive any other application requirements or Board review. Eligibility generally requires holding a license in a comparable classification (the earlier application version specified three consecutive years; the 2023 version does not repeat the three-year requirement). Applicants may also apply under the Military Family Freedom Act (Miss. Code Ann. §73-50-1) or the Universal Recognition of Occupational Licenses Act (Miss. Code Ann. §73-50-2). NASCLA national accredited exam is accepted in lieu of the MS state exam for the major classifications of Building Construction and Electrical.

How to Get a General Contractor License in Mississippi (2026 Guide)

To work as a commercial contractor in Mississippi on projects exceeding certain values, you must be licensed by the Mississippi State Board of Contractors (MSBOC). Unlike many states that require a set number of years of experience, Mississippi focuses on your project history and financial stability. This guide provides a step-by-step walkthrough of the requirements, application process, and exams to help you get your Mississippi contractor license.

Do You Need a Contractor License in Mississippi?

A Mississippi contractor license, known as a Certificate of Responsibility, is required for commercial construction projects where the total contract price exceeds $50,000. This requirement applies to individuals, corporations, or any other business entity undertaking commercial contracting work as defined by the state. The Mississippi State Board of Contractors (MSBOC) is the regulatory body that issues these licenses.

The licensing requirement is triggered for work on private and public projects including, but not limited to, the construction, alteration, or repair of buildings, structures, roads, bridges, and other real property. Residential construction has separate thresholds and licensing requirements.

Exemptions to Mississippi Contractor Licensing

Mississippi law provides certain exemptions from the licensing requirement. These may include federal agency projects, certain public utility work, and minor repairs. However, most commercial construction activity falls under the board's jurisdiction. It is crucial to consult the official Mississippi Code and MSBOC rules to confirm if your specific scope of work qualifies for an exemption.

Mississippi Contractor License Classifications

The Mississippi State Board of Contractors issues licenses based on specific classifications that define the scope of work a contractor is permitted to perform.

Major Classifications

These are broad categories covering significant areas of construction:

Building Construction: Commercial and industrial building projects.
Electrical Construction: Electrical wiring, fixtures, and apparatus.
Heavy Construction: Projects such as dams, levees, drainage, and other large-scale earthwork.
Highway, Street and Bridge Construction: Roads, highways, bridges, and related infrastructure.
Mechanical Construction: HVAC, plumbing, and related mechanical systems.
Municipal and Public Works Construction: Water/sewer lines, treatment plants, and other municipal utilities.

Specialty Classifications

In addition to the major classifications, the MSBOC offers numerous specialty classifications for more focused trades, such as roofing, masonry, fire sprinklers, or swimming pools. A contractor can apply for one or more specialty classifications along with or in addition to a major classification.

Mississippi Contractor License Requirements: A Checklist

To qualify for a commercial contractor license in Mississippi, you must meet several key requirements related to your business, experience, finances, and insurance.

Business Registration

Your business entity (e.g., corporation, LLC) must be registered and in good standing with the Mississippi Secretary of State before applying for a license.

Qualifying Experience

Mississippi does not require a specific number of years of experience. Instead, applicants must demonstrate practical knowledge and a history of completed projects.

Project History: You must list "at least 3 jobs completed in the requested classification."
References: Provide three reference letters. One must be from a bank or financial institution, and the other two should be from individuals familiar with your work and character, such as architects, engineers, or other contractors.

Financial Solvency

Applicants must prove they have the financial stability to operate a contracting business.

Financial Statement: You must submit a reviewed or audited financial statement prepared and signed by a CPA within the last 12 months. A compilation financial statement will not be accepted.
Minimum Net Worth:
- Applicants for a major classification must demonstrate a net worth of at least $50,000.
- All other applicants (specialty classifications) must demonstrate a net worth of at least $20,000.

Insurance Requirements

All licensed contractors must maintain specific insurance coverages.

General Liability Insurance: A certificate of insurance is required showing a minimum of $300,000 per occurrence and $600,000 aggregate. The Mississippi State Board of Contractors must be listed as the certificate holder.
Workers' Compensation Insurance: You must provide proof of workers' compensation coverage if you have five or more employees.

Designating a Qualifying Party

Every licensed contracting business must have a Qualifying Party (QP). This is the individual who has passed the required examinations and whose technical qualifications are used to grant the license to the business. The QP is responsible for all work performed by the company under that license classification.

The Mississippi Contractor License Application Process

Follow these steps to apply for your commercial contractor license with the MSBOC.

Step 1: Understand License Classifications

Before starting your application, determine the precise major and/or specialty classifications that cover your intended scope of work. Applying for the wrong classification can cause significant delays.

Step 2: Gather Required Documents

Assemble a complete application package with all necessary documentation:

Completed and notarized Commercial Application form.
Proof of business registration with the Mississippi Secretary of State.
Reviewed or audited financial statement from a CPA.
Three reference letters (one from a bank).
Certificate of General Liability insurance.
Proof of Workers' Compensation insurance (if applicable).
Evidence of any required certifications (e.g., NICET Level III for Fire Sprinkler).

Step 3: Complete the Application Form

Fill out the official MSBOC Commercial Application completely and accurately. Ensure all sections are signed and notarized where required. Double-check that all names and business details match your official registration documents.

Step 4: Pay Application Fees

Include a check or money order for the required fees with your application.

Commercial Application (1 classification): $400.00
Each Additional Classification: $100.00

Step 5: Submit Your Application

Mail your complete application package and payment to the Mississippi State Board of Contractors. The mailing address is available on the application form.

Step 6: Board Review and Approval

Once your application is received and deemed complete, it will be reviewed by the MSBOC staff. If all requirements are met, you will be notified of your eligibility to sit for the required examinations.

Mississippi Contractor Licensing Exams

All Mississippi contractor licensing exams are administered by a state-authorized testing contractor, PSI.

Mandatory Exams

Law and Business Management: All applicants must pass this exam, which covers topics such as business organization, licensing laws, estimating, contract management, and safety.

Trade-Specific Exams

A trade-specific exam is also required for most major and specialty classifications to demonstrate technical competency in that field.

Exam Provider

You must register for your exams directly with PSI after receiving approval from the MSBOC. Exam schedules, locations, and fees are provided by PSI.

Alternative Exams

NASCLA Accredited Exam: Mississippi accepts the NASCLA Accredited Examination for Commercial General Building Contractors in lieu of the state-specific Building Construction exam. It may also be accepted for the Electrical major classification.
NICET Certification: Applicants for the Fire Sprinkler Systems classification must provide proof of a NICET Level III certification for the designated qualifying party.

Exam Fees

Exam fees are paid directly to the testing provider. The specific fees for the Law and Business Management and trade exams are published by PSI; confirm the current costs when scheduling.

How Long Does It Take to Get a Contractor License in Mississippi?

The time required to obtain a Mississippi contractor license varies based on application completeness, board meeting schedules, and exam scheduling. Current application-processing and exam-scheduling timelines should be confirmed directly with the Mississippi State Board of Contractors (MSBOC) and its approved testing provider.

Factors that can affect the processing time include the accuracy of your application, the time it takes to obtain your financial statements and insurance certificates, and your availability to schedule and pass the required exams.

Mississippi Contractor License Renewal

Mississippi contractor licenses must be renewed annually to remain active.

Renewal Cycle: All original certificates expire one year from the date of issuance.
Renewal Process: The MSBOC provides instructions for renewal. Be prepared to submit the renewal application and fee before your license expiration date.
Renewal Notices: Beginning in 2026, the MSBOC will send all renewal notices by email only. It is the licensee's responsibility to maintain a current email address with the board.
Renewal Fee: The fee for renewing a commercial license is $400.00.
Late Renewal: A late fee of $50.00 is assessed for licenses renewed after the expiration date.

Continuing Education Requirements in Mississippi

The sources reviewed do not specify any mandatory continuing education requirements for commercial general contractors to renew their license. However, regulations can change, so it is best to confirm current continuing education rules directly with the Mississippi State Board of Contractors before your renewal period.

Mississippi Contractor License Reciprocity

Mississippi offers reciprocity for the waiver of the trade portion of the exam with several other state licensing boards. An applicant must still meet all other Mississippi requirements, including passing the Mississippi Law and Business Management exam.

Reciprocity Agreements By State

The MSBOC has reciprocity agreements with boards in the following states (this list is not exhaustive):

Alabama General Contractors Board
Alabama Electrical Board
Alabama Board of Heating and Air Conditioning Contractors
Alabama Home Builders Licensure Board
Arkansas Contractor Licensing Board
Georgia Board of Residential and General Contractors
Louisiana Licensing Board for Contractors

Reciprocity only applies to the trade exam. Applicants must generally hold a license in a comparable classification in the reciprocal state to be eligible.

Reciprocity Fees

There is a $50.00 fee for each trade exam that is waived through a reciprocity agreement.

Universal Recognition Laws

Mississippi also has provisions to assist out-of-state license holders:

Military Family Freedom Act (Miss. Code Ann. §73-50-1): This act may provide an expedited path to licensure for military members and their spouses.
Universal Recognition of Occupational Licenses Act (Miss. Code Ann. §73-50-2): This allows for recognition of occupational licenses from other states, provided certain conditions are met.

Mississippi Contractor License Fees & Costs

The following is a schedule of fees set by the Mississippi State Board of Contractors:

Commercial Application (1 classification): $400.00
Commercial License – Additional Classification: $100.00
Commercial License Renewal: $400.00
Commercial License Renewal – Late Fee: $50.00
Commercial License – Name Change: $50.00
Commercial Fee (To make license Inactive): $25.00
Commercial Fee (To reactivate license): $25.00
Duplicate Commercial License Fee: $50.00
Reciprocity/Verification of License: $25.00
Request for Waiver of Exam: $50.00
Request for Oral Examination: $50.00
Request for Change in Qualifying Party: $25.00
Public Information Requests (copying records): $0.50/pg.
Public Information Requests (administrative time/shipping & handling): $25.00
Mailing List (all active contractors): $500.00
Returned Check Fee: $40.00

Mississippi Contractor License Resources & Forms

Mississippi State Board of Contractors (MSBOC): https://www.msboc.us/
Commercial Contractor Application Form: https://www.msboc.us/wp-content/uploads/2023/12/COMMERCIAL-APPLICATION-updated-7-2023.pdf
Commercial Laws and Rules: https://www.msboc.us/wp-content/uploads/2022/02/COMMERCIAL-LAWS-AND-RULES-REVISED-2022.pdf
Official Fee Schedule (30 Miss. Code R. 803-3.4): https://www.law.cornell.edu/regulations/mississippi/30-Miss-Code-R-SS-803-3-4

Frequently Asked Questions About Mississippi Contractor Licensing

Does Mississippi require a contractor license?

Yes, Mississippi requires a state license, known as a Certificate of Responsibility, for commercial construction projects with a total value of $50,000 or more. The license is issued by the Mississippi State Board of Contractors (MSBOC).

How much does a contractor license cost in Mississippi?

The initial application fee for a commercial contractor license with one classification is $400.00. Each additional classification costs $100.00. Annual renewal for a commercial license is also $400.00.

What are the different contractor license classifications in Mississippi?

Mississippi has six Major Classifications (Building, Electrical, Heavy, Highway, Mechanical, Municipal) and numerous Specialty Classifications for specific trades like roofing, masonry, or excavation.

What exams are required for a contractor license in Mississippi?

All applicants must pass the Mississippi Law and Business Management exam. Most classifications also require a trade-specific exam. All exams are administered by PSI. Mississippi accepts the NASCLA exam for the Building Construction major classification.

Does Mississippi have license reciprocity with other states?

Yes, Mississippi has reciprocity agreements with several states, including Alabama, Arkansas, Georgia, and Louisiana, for the waiver of the trade exam portion of the licensing process. Applicants must still pass the Mississippi Law and Business Management exam and meet all other application requirements.

Do I need workers compensation insurance in Mississippi?

Yes, contractors in Mississippi are required to carry workers' compensation insurance if they have five or more employees. Proof of coverage must be submitted with your license application.

What financial statements are required for a Mississippi contractor license?

Applicants must provide a reviewed or audited financial statement prepared by a CPA within the last 12 months. A compilation is not acceptable. You must also demonstrate a minimum net worth of $50,000 for a major classification or $20,000 for a specialty classification.

How do I renew my Mississippi contractor license?

You must renew your license annually through the MSBOC before its expiration date. The renewal fee is $400.00. Starting in 2026, all renewal notices will be sent via email.