Contractor's License & Surety Bonds for framing contractors

In most states, yes — holding a contractor license requires a license bond (surety bond) that guarantees compliance with state contracting law. The amount and form vary by state. We write license bonds for every state we serve.

A performance bond guarantees you'll complete a project per the contract. Public projects and many commercial GCs require performance and payment bonds, especially above certain contract values. We secure the bonding capacity to pursue that work.

License bond cost is a small percentage of the bond amount and depends on your credit, license history, and the state's required amount. Most run a few hundred dollars a year. We quote quickly.

Yes. We work with sureties to establish bonding capacity — single-job and program (aggregate) limits — so you can bid bonded work. We'll help you present your financials and track record to qualify.

A bid bond guarantees that if you win a bid, you'll enter the contract and provide a performance bond. It protects the project owner from bidders who back out. We issue bid bonds to support your pursuit of bonded projects.

Permit and code-compliance bonds are typically inexpensive and required by local building departments to pull permits. We turn them around fast so your schedule isn't held up.

Yes — and it's simpler. We write your license, performance, and permit bonds alongside your insurance program, with one point of contact for certificates, endorsements, and renewals.

Most framers pay $1,500–$4,500 a year for $1M/$2M general liability, with workers' comp rated on payroll at class 5403 and tools floaters based on scheduled gear. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes framing crews from the Sun Belt and Texas to the Pacific Northwest, Rocky Mountain West, and Northeast.

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements usually within minutes.

Wood framing and rough carpentry is typically coded under NCCI class 5403 (Carpentry). Correct classification keeps you from overpaying or facing an audit surprise — and ensures claims aren't denied for misclassification.

We place general liability that specifically covers two- and three-story framing, truss setting, and roof work. Many budget contractor policies exclude work above one or two stories — we make sure yours does not.

Tools are covered under a tools & equipment (inland marine) policy, not GL or property. We schedule nail guns, saws, generators, and compressors at replacement cost so jobsite and truck theft is covered.

Most residential framers carry $1M/$2M GL with a $2M–$5M umbrella. Commercial and multifamily GCs often require $2M–$5M limits plus additional-insured status. We size limits to your actual contract requirements.

Yes — personal auto excludes business use and will deny claims when you haul lumber or tools. Commercial auto covers your trucks, trailers, and lumber haulers, including hired/non-owned vehicles.

Often, yes. We have excess-and-surplus (E&S) markets for contractors with loss runs, cancellations, or tough exposures that standard markets decline.

Your GL doesn't cover independent subs — they should carry their own and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your operation keeps moving.

Framing has fall, nail-gun, saw, and theft exposures that generic carriers exclude or misprice. A specialty broker knows the class codes, the height exclusions to avoid, the markets that write framers, and how to manage a framing claim.