You've built enough for others. Time to build your own.

Most contractors start with an LLC — it gives you personal liability protection, pass-through taxation, and less administrative overhead. An LLC matters especially in construction, where job site accidents and property damage claims are real risks. If you plan to scale significantly or bring on investors, a C-Corp may make sense later. Lovie walks you through the tradeoffs.

Construction carries serious liability — on-site injuries, property damage, subcontractor disputes, and defective work claims. Without an LLC, a lawsuit could put your personal assets at risk — your home, truck, savings, everything. An LLC creates a legal boundary between your business and your personal finances.

LLC or C-Corp formation service, digital mail scanning, compliance guidance, and a real-time dashboard. Registered agent service is $79/yr ($49/yr in Wyoming), priced separately. No surprise fees. No subscription.

Lovie submits your filing the moment you approve it. Delaware typically processes within 1-3 business days, Wyoming often same-day.

Contractor licensing and surety bonding are separate processes that vary by state and trade. Lovie gets your business entity set up so you can apply for your contractor's license and bond.

If you're performing construction work in a state, you typically need to register your LLC there and may need a state contractor's license. Lovie can help with entity formation and explain when foreign qualification is needed. Licensing requirements vary by state.

Your LLC provides a liability shield for your personal assets. Many contractors also require certificates of insurance from subs, use written subcontractor agreements, and carry general liability coverage. Lovie handles the entity formation; subcontractor management is part of your operations.

Yes. Some contractors form separate LLCs for different trades or project types to isolate liability — for example, one LLC for residential work and another for commercial. Lovie can help you form multiple entities and think through the right structure.

Some construction entrepreneurs create a holding company LLC that owns their operating entities, equipment, and vehicles. This adds asset protection and tax planning flexibility. Lovie can help you set up this structure.

It's $29 one-time. No subscription — the formation fee is charged once. This covers everything: formation, registered agent, mail scanning, compliance, and ongoing guidance. State filing fees are paid separately, directly to your state.

Construction is inherently high-risk, and operating as a sole proprietor leaves your personal assets completely exposed to job site injuries, property damage claims, and subcontractor disputes. Forming a Limited Liability Company (LLC) establishes a legal wall between your personal savings and your contracting business. Lovie ensures your LLC is formed correctly so you can secure commercial liability insurance and bid on larger projects with confidence.

Yes, every state requires an LLC to have a registered agent available during standard business hours to accept legal documents. Since contractors are rarely at a desk and are constantly moving between job sites, acting as your own registered agent is risky—missing a service of process can lead to a default judgment against your company. Using a professional registered agent ensures all legal notices are securely received while you focus on the build.

Yes, and in fact, you usually must form your LLC first. Most state licensing boards require you to apply for your contractor's license under the exact legal name of your business entity.

Under the Corporate Transparency Act (CTA), newly formed construction LLCs must file a Beneficial Ownership Information (BOI) report with FinCEN shortly after state approval. You must disclose the personal details of anyone who owns at least 25% of the company or exercises substantial control over operations. Failing to file this report on time carries severe daily financial penalties that can devastate a new contracting business.

Basic retail formation services like LegalZoom often lack the specialized compliance guidance needed for construction firms, such as managing multi-state foreign qualifications when bidding on out-of-state projects. Builders need a platform that handles complex regulatory requirements quickly and accurately. An AI-native platform like Lovie provides the speed and precision necessary to keep your entity compliant so you can focus on winning bids.