National 50-State Comparison Structural & Framing Very High Risk
Structural Steel & Ironwork Erection Contractor (C-51): 50-State Comparison Guide
Compare statutory liability insurance minimums, required contractor license bonds, and board application fees across all 50 states for structural steel professionals.
Overview & Baseline Underwriting Risk
Structural Steel contractors erect wide-flange I-beams, steel decking, shear connections, and trusses on multi-story commercial buildings.
National Average Premium
$3,400 - $8,200
Statutory Minimum Coverage
$2,000,000 Each Occurrence
Permit Threshold Trigger
Any structural steel placement or load-bearing moment connection
Interactive Compliance Tool
Live 2026 Underwriting Matrix
Contractor Liability & Bond Premium Estimator
Estimate your required general liability and state license bond costs instantly based on state statute and operational volume.
Estimated Annual Gross Revenue $350,000
$50k $1.5M $3M+
Estimated Statutory Costs
Instant Certificate Available
General Liability (GL)
$1M Occurrence / $2M Aggregate
$115/mo
~$1,380 / year
Contractor License Bond
Statutory State Bond
$250/yr
1.0% base underwriting rate
Workers' Comp Alert: Mandatory for all construction employers in selected state with 1+ employees.
Get Official Quote & Instant ACORD COI Apply for Contractor License Bond ($0 Down Options) →
*Estimates based on standard market rates for commercial artisan contractors. Exact quotes require underwriting review of prior loss history, specific endorsements, and payroll declarations.
50 State Jurisdictions
Structural Steel Licensing & Bond Requirements by State
Direct statutory comparisons for all 50 US States.
| State Jurisdiction | Licensing Board & Authority | Statutory Bond Penalty | Application Fee | Action |
|---|---|---|---|---|
| Alabama AL | Alabama Licensing Board for General Contractors
Exam: PSI Services | $10,000 - $50,000 (Based on bid limit)
From $240/yr
| $300 Annual | Full Guide |
| Alaska AK | Alaska Division of Corporations, Business and Professional Licensing
Exam: Prov | $25,000 General Contractor Bond / $10,000 Specialty
From $600/yr
| $350 Biennial | Full Guide |
| Arizona AZ | Arizona Registrar of Contractors (ROC)
Exam: PSI Services | $9,000 to $100,000 (Calculated by gross contracting volume)
From $216/yr
| $580 - $870 Biennial | Full Guide |
| Arkansas AR | Arkansas Contractors Licensing Board
Exam: Prometric | $10,000 Contractor License Bond
From $240/yr
| $100 Annual | Full Guide |
| California CA | California Contractors State License Board (CSLB)
Exam: CSLB Testing Centers | $25,000 Contractor License Bond (Mandatory)
From $600/yr
| $450 (Initial) + $200 (Exam) Every 2 Years | Full Guide |
| Colorado CO | Colorado Department of Regulatory Agencies (DORA)
Exam: ICC / Pearson VUE | $5,000 - $25,000 (Municipal level / Denver license bonds)
From $120/yr
| $150 - $250 Biennial | Full Guide |
| Connecticut CT | Connecticut Department of Consumer Protection (DCP)
Exam: PSI Services | $10,000 - $20,000 (Specialty dependent)
From $240/yr
| $220 Annual | Full Guide |
| Delaware DE | Delaware Division of Professional Regulation
Exam: Prometric | $5,000 - $20,000 (Non-resident contractor bonding requirement)
From $120/yr
| $135 Biennial | Full Guide |
| Florida FL | Florida Construction Industry Licensing Board (DBPR)
Exam: Florida DBPR / Pearson VUE | $10,000 - $20,000 (Required if FICO credit score under 660)
From $240/yr
| $245 - $355 Biennial | Full Guide |
| Georgia GA | Georgia State Licensing Board for Residential and General Contractors
Exam: PSI Services | $25,000 Contractor License Bond
From $600/yr
| $200 Biennial | Full Guide |
| Hawaii HI | Hawaii Department of Commerce and Consumer Affairs (DCCA)
Exam: Prometric | $5,000 - $50,000 (Discretionary board assessment)
From $120/yr
| $450 Biennial | Full Guide |
| Idaho ID | Idaho Division of Occupational and Professional Licenses (DOPL)
Exam: PSI Services | $2,000 - $10,000 (Public works requirement)
From $100/yr
| $50 - $125 Annual or Triennial | Full Guide |
| Illinois IL | Illinois Department of Financial and Professional Regulation (IDFPR)
Exam: Continental Testing Services | $10,000 Roofing Bond / $25,000 Chicago GC Bond
From $240/yr
| $250 Biennial / Annual by Trade | Full Guide |
| Indiana IN | Indiana Professional Licensing Agency (IPLA)
Exam: PSI Services | $5,000 - $15,000 (City/County license bond requirement)
From $120/yr
| $100 Biennial / Local municipal registration | Full Guide |
| Iowa IA | Iowa Division of Labor - Contractor Registration
Exam: State Board | $25,000 (Mandatory for out-of-state contractors)
From $600/yr
| $150 Every 2 Years | Full Guide |
| Kansas KS | Kansas Attorney General - Roofing / Local County Boards
Exam: Prometric / ICC | $5,000 - $20,000 (Municipal county requirement)
From $120/yr
| $100 - $250 Annual | Full Guide |
| Kentucky KY | Kentucky Department of Housing, Buildings and Construction (DHBC)
Exam: Pearson VUE | $10,000 - $25,000 (Local municipal requirement)
From $240/yr
| $250 Annual | Full Guide |
| Louisiana LA | Louisiana State Licensing Board for Contractors (LSLBC)
Exam: LSLBC Testing Center / PSI | $10,000 - $20,000 (Commercial/Residential)
From $240/yr
| $300 Annual or Triennial | Full Guide |
| Maine ME | Maine Department of Professional and Financial Regulation
Exam: State Board | $10,000 - $25,000 (Municipal / Public bids)
From $240/yr
| $150 Every 2 Years | Full Guide |
| Maryland MD | Maryland Home Improvement Commission (MHIC) / DLLR
Exam: PSI Services | $30,000 MHIC Guaranty Fund or Surety Bond (if net worth < $30,000)
From $720/yr
| $250 Every 2 Years | Full Guide |
| Massachusetts MA | Massachusetts Office of Public Safety and Inspections (CSL)
Exam: Prometric | $5,000 - $25,000 (HIC & Municipal permit bonds)
From $120/yr
| $150 Every 2 Years | Full Guide |
| Michigan MI | Michigan Department of Licensing and Regulatory Affairs (LARA)
Exam: PSI Services | $10,000 Maintenance & Alteration Bond
From $240/yr
| $195 Triennial | Full Guide |
| Minnesota MN | Minnesota Department of Labor and Industry (DLI)
Exam: State Board / PSI | $15,000 Residential Building Contractor Bond
From $360/yr
| $180 Every 2 Years | Full Guide |
| Mississippi MS | Mississippi State Board of Contractors (MSBOC)
Exam: PSI Services | $10,000 - $20,000 Residential Bond
From $240/yr
| $400 (Commercial) / $50 (Residential) Annual | Full Guide |
| Missouri MO | Missouri Division of Professional Registration (Local / County Boards)
Exam: Prometric / ICC | $10,000 - $25,000 (St. Louis & Kansas City requirements)
From $240/yr
| $100 - $200 Annual or Biennial | Full Guide |
| Montana MT | Montana Department of Labor and Industry
Exam: State Board | $5,000 - $20,000 (Trade dependent)
From $120/yr
| $70 Every 2 Years | Full Guide |
| Nebraska NE | Nebraska Department of Labor - Contractor Registration
Exam: State Board / ICC | $5,000 - $15,000 (Omaha & Lincoln permit bonds)
From $120/yr
| $40 Every 2 Years | Full Guide |
| Nevada NV | Nevada State Contractors Board (NSCB)
Exam: PSI Services | $1,000 to $500,000 (Assessed based on monetary license limit)
From $100/yr
| $300 + $600 (Biennial License Fee) Biennial | Full Guide |
| New Hampshire NH | New Hampshire Office of Professional Licensure and Certification
Exam: Prov / State Board | $10,000 - $25,000 (Trade & Municipal dependent)
From $240/yr
| $150 Biennial or Triennial | Full Guide |
| New Jersey NJ | New Jersey Division of Consumer Affairs (HIC & Electrical/Plumbing)
Exam: PSI Services | $10,000 - $25,000 (Trade specific: Plumbing & Electrical)
From $240/yr
| $110 (HIC) / $150 (Master) Annual | Full Guide |
| New Mexico NM | New Mexico Regulation and Licensing Department (CID)
Exam: PSI Services | $10,000 Contractor Code Bond
From $240/yr
| $300 - $450 Triennial | Full Guide |
| New York NY | New York Department of State / NYC Dept of Buildings (DOB)
Exam: NYC DOB / CPS HR | $25,000 NYC DOB General Contractor Bond
From $600/yr
| $330 (NYC DOB) Triennial | Full Guide |
| North Carolina NC | North Carolina Licensing Board for General Contractors (NCLBGC)
Exam: PSI Services | $175,000 (Limited) to $1,000,000 (Unlimited) Bond in lieu of working capital
From $4200/yr
| $125 (Limited) / $175 (Unlimited) Annual | Full Guide |
| North Dakota ND | North Dakota Secretary of State - Contractor Licensing
Exam: State Board | $2,000 - $10,000 (Public projects)
From $100/yr
| $100 Annual | Full Guide |
| Ohio OH | Ohio Construction Industry Licensing Board (OCILB)
Exam: PSI Services | $20,000 - $25,000 (Municipal permit bond across Columbus/Cleveland)
From $480/yr
| $200 Annual or Triennial | Full Guide |
| Oklahoma OK | Oklahoma Construction Industries Board (CIB)
Exam: PSI Services | $5,000 Contractor License Bond
From $120/yr
| $150 Annual or Biennial | Full Guide |
| Oregon OR | Oregon Construction Contractors Board (CCB)
Exam: PSI Services | $10,000 - $20,000 CCB Surety Bond (Residential vs Commercial)
From $240/yr
| $250 Every 2 Years | Full Guide |
| Pennsylvania PA | Pennsylvania Office of Attorney General (HIC Registration) / Philadelphia L&I
Exam: ICC / Municipal | $10,000 - $25,000 (Philadelphia & Pittsburgh permit bond)
From $240/yr
| $50 (State HIC) / $150 (City) Biennial | Full Guide |
| Rhode Island RI | Rhode Island Contractors' Registration and Licensing Board (CRLB)
Exam: State Board | $10,000 - $20,000 (Specialty licenses)
From $240/yr
| $200 Every 2 Years | Full Guide |
| South Carolina SC | South Carolina Contractor's Licensing Board (LLR)
Exam: PSI Services | $10,000 - $350,000 (Based on Group financial net worth)
From $240/yr
| $175 - $350 Biennial | Full Guide |
| South Dakota SD | South Dakota Department of Labor and Regulation (Plumbing/Electrical)
Exam: State Board | $5,000 - $10,000 (Local municipal requirement)
From $120/yr
| $100 Annual or Biennial | Full Guide |
| Tennessee TN | Tennessee Board for Licensing Contractors (TDCI)
Exam: PSI Services | $10,000 - $500,000 (Bond in lieu of audited working capital)
From $240/yr
| $250 Biennial | Full Guide |
| Texas TX | Texas Department of Licensing and Regulation (TDLR)
Exam: PSI Services | $10,000 - $25,000 (Houston, Dallas, Austin municipal bonds)
From $240/yr
| $115 - $225 Annual or Biennial by trade | Full Guide |
| Utah UT | Utah Division of Professional Licensing (DOPL)
Exam: PSI Services | $15,000 - $50,000 (Required if credit or experience threshold unmet)
From $360/yr
| $210 Biennial | Full Guide |
| Vermont VT | Vermont Division of Fire Safety / Secretary of State
Exam: State Board | $10,000 - $20,000 (Municipal & Trade)
From $240/yr
| $120 Triennial | Full Guide |
| Virginia VA | Virginia Board for Contractors (DPOR)
Exam: PSI Services | $50,000 Surety Bond (Required for Class A/B in lieu of net worth)
From $1200/yr
| $385 (Class A) / $370 (Class B) / $235 (Class C) Every 2 Years | Full Guide |
| Washington WA | Washington State Department of Labor & Industries (L&I)
Exam: L&I Registration | $12,000 General Contractor Bond / $6,000 Specialty Bond
From $288/yr
| $124.70 Every 2 Years | Full Guide |
| West Virginia WV | West Virginia Contractor Licensing Board (Division of Labor)
Exam: Prov | $20,000 - $50,000 (Wage Bond required for out-of-state entities)
From $480/yr
| $150 Annual | Full Guide |
| Wisconsin WI | Wisconsin Department of Safety and Professional Services (DSPS)
Exam: DSPS / Pearson VUE | $25,000 Dwelling Contractor Financial Bond
From $600/yr
| $40 + $30 (Qualifier) Every 2 Years | Full Guide |
| Wyoming WY | Wyoming Department of Fire Prevention and Electrical Safety
Exam: ICC / State Board | $5,000 - $20,000 (Cheyenne & Casper permit bonds)
From $120/yr
| $100 Triennial | Full Guide |
| District of Columbia DC | DC Department of Buildings (DOB) - Occupational and Professional Licensing
Exam: PSI Services | $25,000 Home Improvement Contractor Bond
From $600/yr
| $450 Every 2 Years | Full Guide |