Panama City Handyman / Home Contractor License Requirements (2026)

📋 Your checklist

State

1. Florida contractor license (DBPR CILB) — when needed
   A handyman without a state license may only do casual, minor jobs under $2,500 total (labor + materials), not split to dodge the limit, and may not advertise as a "contractor". Bigger or structural, roofing, electrical, plumbing or HVAC work needs the right license.
   ⏰ If licensed: verify your renewal date on your DBPR license
   Source: Florida Statutes §489.103 (contractor license exemptions)
2. Business name and entity filings (Sunbiz)
   LLCs and corporations file an annual report ($138.75 for an LLC). Using a name other than your legal name? Register it as a fictitious name.
   ⏰ Annual report: May 1 ($400 late fee). Fictitious name: renew every 5 years
   Source: Florida Division of Corporations: File Annual Report · Florida Statutes §865.09 (fictitious name registration)

Local (Panama City / Bay County)

1. City of Panama City Occupational Business Tax Receipt
   Required for service businesses in city limits; $25 to $2,500 a year by occupation. Apply and renew online (GovOS); state license copy required for regulated work. Retail merchants follow a separate merchant tax.
   ⏰ Due by October 1; 10% October rising to 25% in January, $250 in February
   Source: Village of Pinecrest: Local Business Tax Receipt
2. Bay County Business Tax Receipt (verify)
   A county receipt may also be required; the city page does not say so. Confirm with the Bay County Tax Collector.
   ⏰ Verify
   Source: Village of Pinecrest: Local Business Tax Receipt