Trade
Structural work on residential jobs, which is where construction-defect claims start. The wording matters more here than the price does, and we read it before you sign it.
Framing is named in this program specifically because it is one of the trades where Washington and Oregon market access is strongest. It is also a trade whose claims arrive late: framing defects surface as movement, water intrusion and structural complaints years after the certificate of occupancy, against the policy that was in force when the work was done rather than the one in force when the claim lands.
Which license class this trade falls under, and what that class obliges you to carry.
C-5 — Framing and Rough Carpentry. Not one of the five classifications that must carry workers’ compensation without employees, so a framer with no crew is not caught by that rule today — but every classification is from 1 January 2028, and a framer with even one employee needs it now.
All California requirements →A residential specialty endorsement for most framers: $300,000 per occurrence and a $20,000 bond. Framers working commercially move to commercial specialty, where level 1 is $1,000,000 aggregate on a $55,000 bond.
All Oregon requirements →Specialty contractor registration — $15,000 bond. Framing is one of the four trades this program focuses on in Washington, alongside home builders, general contractors and roofers, and the market access here is deepest.
All Washington requirements →Framing on homes sits under the residential or home-improvement license, so the $100,000 general liability and workers’ compensation proof are conditions of holding the license, not just good practice.
All Louisiana requirements →A residential or commercial specialty classification, bonded by volume band. The ROC asks for no liability insurance, so on residential framing the only thing standing between a defect claim and your own balance sheet is cover you chose to buy.
All Arizona requirements →Not statute — this is the part no board publishes, and the part that decides whether a submission comes back priced or declined.
Tell us the state, the license class and the payroll. We will tell you which markets fit before we submit anywhere.
