CSLB Bond ClassificationsSame $25,000 bond for every class. Everything else changes.
A California contractor license bond is $25,000 under Business and Professions Code §7071.6 — and that face amount is identical whether you hold a Class A engineering license, a Class B general building license, the B-2 residential remodeling license, any of the 43 Class C specialty subclasses, or a legacy Class D ticket. What classification you carry decides which trade exam you sit, which experience hours CSLB will accept, whether SB 216 has already forced you onto a workers' comp policy, and how the surety prices your premium at renewal. The bond is the constant. The classification is the variable.
This page is the complete classification map — all 3 primary classes plus all 43 Class C subclasses, with SB-216 status flagged per row. For the bond itself — SB-607 history, LLC employee bond, AB-1701 wage framework, disciplinary bonds — read the sibling CSLB License Bond Guide. If you are ready to bond a new or existing license, jump to the California contractor license bond quote.
Get your $25,000 CSLB bond quote
One bond covers every classification on your license. Quote takes about a minute.
Same bond, four moving parts your classification controls
The misconception this page exists to correct: contractors searching “CSLB C-10 bond” or “C-36 bond amount” are usually looking for a number that does not exist. There is no C-10 bond amount, no C-36 bond amount, and no Class A bond amount distinct from any other class. The legislature wrote one uniform amount into BPC §7071.6 and it applies across the board. What actually changes by classification is everything else CSLB tracks for that license.
Exam content
Every applicant takes the Law & Business exam. The second exam is the trade examination, and it is unique to your classification — the C-10 trade exam is electrical theory, NEC code, and California-specific Title 24 provisions; the C-36 exam is plumbing code, gas, and venting; C-61 applicants take a certification exam rather than the standard trade exam.
Experience documentation
Four years minimum, in the specific classification — not transferable across classes. Class A applicants document engineering-scope projects; Class B applicants must show experience across at least two unrelated trades; Class C applicants document trade-specific journey-level hours signed by someone with firsthand knowledge.
SB-216 workers' comp obligation
C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service must carry workers' compensation today, with or without employees. Every other class has until January 1, 2028 under SB 1455. The bond does not substitute for workers' comp.
Surety underwriting profile
The face amount is fixed but the premium is not. Carriers segment rate by trade class because claim frequency differs by trade. Adding a second classification in a quieter trade rarely changes price. Adding one in a higher-claims trade can shift the renewal rate up a tier even when credit hasn't moved.
The bond amount that applies to every classification
Bond Requirement Increase
Previous Requirement
$15,000
New Requirement
$25,000
The $15,000-to-$25,000 increase covers every classification at once — there is no transitional schedule by trade. For the full SB-607 narrative and history, see the sibling CSLB License Bond Guide.
The five top-level CSLB categories
Every CSLB license sits in one of these five buckets. The bond face amount is the same in all of them; the scope of work and the path to qualifying differ.
Bond face amount by primary CSLB classification
Uniform under Business and Professions Code §7071.6
Class A
$25,000
General Engineering — highways, dams, bridges, utilities, refineries (BPC §7056).
Class B
$25,000
General Building — structures for shelter, at least two unrelated trades (BPC §7057).
Class B-2
$25,000
Residential Remodeling — existing wood-frame homes, three unrelated trades, no load-bearing work (BPC §7057.5).
Class C
$25,000
43 specialty subclasses, C-2 through C-61. One bond covers any combination.
Class D (legacy)
$25,000
No new D-subclass licenses issued. Existing D holders renew; new applicants apply under C-61.
Source: BPC §7071.6 (operative Jan. 1, 2023 per SB 607); CSLB Licensing Classifications index.
Class A, Class B, and Class B-2: where the lines actually fall
The three “general” classifications get conflated in casual reading. The statutes are tighter than the marketing copy suggests, and the practical line affects what you can legally prime-contract for.
General Engineering Contractor
BPC §7056Defined by the principal-business test: your work is “fixed works requiring specialized engineering knowledge.” The enumerated project types in the statute include water infrastructure, transportation, maritime works, utilities, environmental systems, structural works such as bridges and tunnels, industrial facilities, and earthwork. A Class A contractor cannot prime a building shell unless engineering is genuinely the principal scope, and cannot contract for fire protection (C-16) or well drilling (C-57) without holding those specialty licenses or subcontracting qualified specialists.
General Building Contractor
BPC §7057Defined by the two-unrelated-trades test: structures for support, shelter, or enclosure of persons, animals, or property requiring at least two unrelated building trades. Framing and carpentry do not count toward the two-trade minimum, which is the most-missed part of the statute. Class B has no minimum project-value floor in the statute itself, but cannot contract for C-16 fire protection or C-57 well drilling without those specialty licenses.
Residential Remodeling Contractor
BPC §7057.5Added by SB 1189 (Stats. 2020, Ch. 364), operative January 1, 2021. The classification is intentionally narrower than Class B: improvements to existing residential wood-frame structures, at least three unrelated trades, no structural changes to load-bearing elements. Permitted scope includes drywall, carpentry, flooring, insulation, painting, plastering, roof repair, siding, tiling, and minor fixture installation. Fire protection, asbestos abatement, and well drilling must be subcontracted to the appropriate specialty license. The B-2 exam is shorter than the Class B exam and the experience documentation is residential-focused.
All 46 CSLB classifications, with SB-216 status flagged
Every primary classification (A, B, B-2) plus every active Class C subclass, with the official CSLB scope summary and the workers' compensation status as it stands May 2026. The 6 rows marked “Required now” must carry workers' comp today; every other row reaches the universal deadline on January 1, 2028 per SB 1455.
| Code | Classification | Scope summary | SB-216 status |
|---|---|---|---|
| A | General Engineering Contractor | Fixed works requiring specialized engineering knowledge — highways, dams, bridges, utilities, pipelines, airports, and refineries (BPC §7056). | Jan 1, 2028 |
| B | General Building Contractor | Structures for shelter or enclosure of persons or property requiring at least two unrelated building trades, excluding framing/carpentry toward that count (BPC §7057). | Jan 1, 2028 |
| B-2 | Residential Remodeling Contractor | Improvements to existing residential wood-frame structures using at least three unrelated trades; no structural changes to load-bearing elements (BPC §7057.5, added by Stats. 2020 Ch. 364, operative Jan. 1, 2021). | Jan 1, 2028 |
| C-2 | Insulation and Acoustical Contractor | Installs insulating media and preformed architectural acoustical materials for temperature and sound control. | Jan 1, 2028 |
| C-4 | Boiler, Hot Water Heating and Steam Fitting Contractor | Installs and repairs power boilers, hot-water heating systems, steam fitting systems, and associated equipment, including solar heating components. | Jan 1, 2028 |
| C-5 | Framing and Rough Carpentry Contractor | Performs formwork, framing, and rough carpentry — sub-flooring, siding, stairs, doors, roof decking, and sheathing. | Jan 1, 2028 |
| C-6 | Cabinet, Millwork and Finish Carpentry Contractor | Manufactures and installs cabinets, cases, sashes, doors, trims, and nonbearing partitions. | Jan 1, 2028 |
| C-7 | Low Voltage Systems Contractor | Installs communication and low-voltage systems ≤91 V — telephone, sound, CATV, satellite, low-voltage landscape lighting (excludes fire alarm). | Jan 1, 2028 |
| C-8 | Concrete Contractor | Forms, pours, places, finishes, and installs mass, pavement, flat, and other concrete work; excludes reinforcing-steel placement as primary business. | Required now Workers' comp required since Jan. 1, 2023 under SB 216 (BPC §7125). Non-compliant licenses were removed July 1, 2023. |
| C-9 | Drywall Contractor | Lays out and installs gypsum wallboard assemblies, including nonstructural metal framing, taping, texturing, and finishing. | Jan 1, 2028 |
| C-10 | Electrical Contractor | Places, installs, erects, or connects electrical wires, fixtures, raceways, conduits, and solar photovoltaic cells that generate, transmit, transform, or utilize electrical energy. | Jan 1, 2028 |
| C-11 | Elevator Contractor | Fabricates and installs elevators — sheave beams, motors, cables, guides, cabs, counterweights, doors, and controls. | Jan 1, 2028 |
| C-12 | Earthwork and Paving Contractors | Digs, moves, and places earth material; creates cuts, fills, excavations, grades, trenches, tunnels; places paving and surfacing materials; may use explosives. | Jan 1, 2028 |
| C-13 | Fencing Contractor | Constructs fences, corrals, railings, game-court enclosures, guard rails, playground equipment, and flagpoles — excludes masonry walls. | Jan 1, 2028 |
| C-15 | Flooring and Floor Covering Contractors | Prepares surfaces and installs carpet, resilient sheet goods, resilient tile, wood floors, and other flooring; excludes ceramic tile. | Jan 1, 2028 |
| C-16 | Fire Protection Contractor | Lays out, fabricates, and installs fire protection systems and associated equipment; excludes electrical alarm systems. | Jan 1, 2028 |
| C-17 | Glazing Contractor | Selects, cuts, assembles, and installs glass, mirrored glass, and glass-substitute materials; glazes frames, panels, sashes, and doors. | Jan 1, 2028 |
| C-20 | Warm-Air Heating, Ventilating and Air-Conditioning Contractor | Fabricates and services warm-air heating, heat pumps, air-conditioning, ventilating systems, and associated ductwork and controls. | Required now Workers' comp required since Jan. 1, 2023 under SB 216 (BPC §7125). Non-compliant licenses were removed July 1, 2023. |
| C-21 | Building Moving / Demolition Contractor | Raises, lowers, cribs, underpins, demolishes, and moves or removes structures including their foundations. | Jan 1, 2028 |
| C-22 | Asbestos Abatement Contractor | Performs containment, encapsulation, removal, and disposal of asbestos-containing construction materials per DOSH regulations; DOSH-registered (Labor Code §6501.5). | Required now Workers' comp required since Jan. 1, 2023 under SB 216 (BPC §7125). Non-compliant licenses were removed July 1, 2023. |
| C-23 | Ornamental Metal Contractor | Assembles, casts, cuts, welds, fabricates, and installs ornamental metals — brass, bronze, copper, cast iron, wrought iron — for architectural treatment. | Jan 1, 2028 |
| C-27 | Landscaping Contractor | Constructs, maintains, and installs landscape systems and facilities — aesthetic, architectural, horticultural, and functional improvements for public and private gardens. | Jan 1, 2028 |
| C-28 | Lock and Security Equipment Contractor | Installs and repairs doors, locks, panic and fire-exit devices, master key systems, electronic access controls, and computer-based monitoring; excludes fire alarms. | Jan 1, 2028 |
| C-29 | Masonry Contractor | Installs concrete units, baked clay, stone, and other masonry materials for load-bearing and non-load-bearing walls, ceramic veneer, paving, waterproofing, and caulking. | Jan 1, 2028 |
| C-31 | Construction Zone Traffic Control Contractor | Prepares and removes lane closures, flagging, and traffic diversions using portable devices — cones, barricades, sign stands, flashing beacons, message signs. | Jan 1, 2028 |
| C-32 | Parking and Highway Improvement Contractor | Applies protective coatings, vehicle stops, guard rails, directional lines, buttons, markers, and signs to parking facilities, airports, highways; excludes re-paving. | Jan 1, 2028 |
| C-33 | Painting and Decorating Contractor | Prepares surfaces by scraping or sandblasting and applies paints, papers, textures, fabrics, and varnishes for decorative, protective, fireproofing, and waterproofing purposes. | Jan 1, 2028 |
| C-34 | Pipeline Contractor | Fabricates and installs pipelines for water, gas, and petroleum; performs protective coating, trenching, boring, shoring, backfilling, and paving as necessary. | Jan 1, 2028 |
| C-35 | Lathing and Plastering Contractor | Applies plaster coatings using sand, gypsum, lime, or cement mixtures; installs lath, metal studs, and channels as base substrates (absorbed former C-26 in 1998). | Jan 1, 2028 |
| C-36 | Plumbing Contractor | Installs water supply, waste disposal, gas piping, venting, fluid heating, solar water systems, and safety devices including backflow preventers and seismic shut-off valves. | Jan 1, 2028 |
| C-38 | Refrigeration Contractor | Constructs and services refrigeration systems, insulated refrigerated spaces, and air-conditioning units for temperature control below 50°F (10°C). | Jan 1, 2028 |
| C-39 | Roofing Contractor | Installs and repairs surfaces that seal, waterproof, and weatherproof structures — asphalt, tar, felt, urethane foam, metal roofing, shingles, tile, and slate. | Required now Workers' comp required prior to SB 216 under pre-existing BPC §7125(a) — continuously required, not a Phase 1 add. |
| C-42 | Sanitation System Contractor | Fabricates and installs cesspools, septic tanks, storm drains, and sewage disposal/drain structures including associated piping and hardware. | Jan 1, 2028 |
| C-43 | Sheet Metal Contractor | Cuts, shapes, fabricates, and installs sheet metal — cornices, flashings, gutters, kitchen equipment, ductwork, insulation, patented chimneys, metal flues, and roofing. | Jan 1, 2028 |
| C-45 | Sign Contractor | Fabricates, installs, and erects electrical and non-electrical signs — pole-supported, wall, and modifications to existing signs; includes wiring of electrical signs. | Jan 1, 2028 |
| C-46 | Solar Contractor | Installs and repairs thermal and photovoltaic solar energy systems; limited to solar-system-related construction work only. Overlaps with C-10 on PV electrical scope. | Jan 1, 2028 |
| C-47 | General Manufactured Housing Contractor | Installs, alters, and prepares for moving manufactured homes, mobilehomes, and multifamily manufactured homes — foundations and utility connections (gas, water, sewer, electrical). | Jan 1, 2028 |
| C-49 | Tree and Palm Contractor | Plants, maintains, and removes trees and palms — pruning, stump grinding, support structures; excludes incidental pruning by nursery personnel or gardeners. | Required now Paired as C-61/D-49 on the CSLB workers' comp page. Required workers' comp since Jan. 1, 2023 under SB 216. |
| C-50 | Reinforcing Steel Contractor | Fabricates, places, and ties steel mesh or reinforcing bars used to reinforce concrete structures. | Jan 1, 2028 |
| C-51 | Structural Steel Contractor | Fabricates and erects structural steel shapes and plates as structural members in buildings — riveting, welding, rigging, and metal roofing systems installation. | Jan 1, 2028 |
| C-53 | Swimming Pool Contractor | Constructs swimming pools, spas, and hot tubs, including solar heating equipment, using the trades and skills necessary for such construction. | Jan 1, 2028 |
| C-54 | Ceramic and Mosaic Tile Contractor | Installs glazed wall, ceramic, mosaic, quarry, paver, glass mosaic, and stone tiles for interior bathtub, shower, and floor applications; excludes structural partition tile. | Jan 1, 2028 |
| C-55 | Water Conditioning Contractor | Installs water conditioning equipment and only the pipe and fittings necessary to connect it to the water supply system and bypass portions not requiring conditioned water. | Jan 1, 2028 |
| C-57 | Well Drilling Contractor | Installs and repairs water wells and pumps by boring, drilling, excavating, casing, cementing, and cleaning to provide a supply of uncontaminated water. | Jan 1, 2028 |
| C-60 | Welding Contractor | Causes metals to become permanently attached, joined, and fabricated using gases and electrical energy at sufficient temperatures to perform welding. | Jan 1, 2028 |
| C-61 | Limited Specialty (with legacy D-subclasses) | Specialty contractor classification limited to a specific field beyond standard C-# categories; organized into D-subclasses (D-3 through D-65) for administrative tracking. New D-subclass licenses are no longer issued — new applicants apply under C-61. | Required now C-61/D-49 (Tree Service) holders required workers' comp since Jan. 1, 2023 under SB 216. All other C-61 subclasses follow the 2028 universal deadline. |
Scope language abstracted from each classification's individual CSLB detail page (verified May 2026). Full official text: CSLB Licensing Classifications index.
SB-216 workers' comp: who is in now, who has until 2028
SB 216 (Stats. 2022, Ch. 978) is the only piece of recent California legislation that produces a classification-specific compliance divergence. It does not change the bond. It does not change the bond face amount. It adds a workers' compensation insurance requirement — a separate, non-substitutable obligation — that phased in by classification.
Required today (May 2026)
- C-39 Roofing — required prior to SB 216 under pre-existing BPC §7125(a).
- C-8 Concrete — Jan. 1, 2023 (SB 216).
- C-20 HVAC — Jan. 1, 2023 (SB 216).
- C-22 Asbestos Abatement — Jan. 1, 2023 (SB 216).
- C-61/D-49 Tree Service — Jan. 1, 2023 (SB 216).
Non-compliant licenses in these four newly added classes were removed July 1, 2023 if no policy was on file.
Required by Jan. 1, 2028
Every other CSLB classification — Class A, Class B, Class B-2, and every other Class C subclass not listed at left. The original SB 216 universal date was January 1, 2026. SB 1455 (signed September 22, 2024 — Stats. 2024, Ch. 485) delayed it to January 1, 2028.
SB 1455 also directs CSLB to establish, by January 1, 2027, a process to verify that licensees without employees qualify for exemption. Joint ventures organized under BPC §7029 with no employees may file a certificate of exemption.
The non-substitution point. The $25,000 contractor bond (BPC §7071.6) and workers' compensation insurance (BPC §7125) are parallel obligations under different statutes. The bond does not pay workplace-injury claims. The workers' comp policy does not pay consumer or wage claims. A C-8, C-20, C-22, C-39, or C-61/D-49 contractor needs both simultaneously to keep the license active. This is the single most widely misunderstood compliance distinction in CSLB licensing — and the one that competitor pages most consistently get wrong.
Class D “Limited Specialty” — what happened to the D-numbers
The Class D-subclass scheme — D-3 Awnings, D-4 Central Vacuum, D-6 Concrete Related Services, on up through D-65 Weatherization and Energy Conservation — used to be its own column on CSLB applications. It is no longer. CSLB consolidated the specialty D-subclasses under C-61 (Limited Specialty) and stopped issuing new D-subclass licenses. The classification page on cslb.ca.gov no longer lists Class D as a primary category at all; instead, the C-61 page enumerates the D-codes that remain as administrative subcategories under C-61.
What this means in practice:
- If you currently hold a D-subclass license, you can renew it under the existing D code. Your pocket license still shows the D-number. The $25,000 bond is identical to any other classification, and your renewal cycle is identical.
- You cannot transfer a D-subclass to a new entity or use it as the qualifying classification for a new license. A successor entity must apply under C-61.
- New applicants for any specialty historically covered by a D-subclass — D-12 Synthetic Products, D-21 Machinery and Pumps, D-40 Service Station Equipment, D-50 Suspended Ceilings, D-64 Non-specialized, etc. — apply under C-61 with the appropriate scope description. The C-61 application is a certification exam, not the standard trade exam.
- D-49 Tree Service has been reclassified as C-49 Tree and Palm Contractor — but the CSLB workers' comp page still references the paired label “C-61/D-49” for compliance purposes. If you renew a D-49 license today, you are subject to the SB 216 workers' comp mandate that took effect January 1, 2023.
For the official D-subclass enumeration and current C-61 scope, see the CSLB C-61 Limited Specialty Classification page.
Adding a second classification: the bond impact is none, but the underwriting file reopens
CSLB lets you add classifications to an existing license without creating a new license number. The mechanics are well-defined: a $230 application fee per added classification, a passing score on the trade examination for that classification, four years of qualifying experience in the new trade documented by someone with firsthand knowledge, and Live Scan if your fingerprints aren't already on file. CSLB processes the addition and reissues your pocket license with the new classification appended — same license number, same expiration date, same renewal cycle.
Where it gets misunderstood: no additional bond is required. Your existing $25,000 contractor license bond under BPC §7071.6 covers every classification attached to the license. There is no “C-36 bond rider” or “C-10 bond add-on.” The surety isn't even notified at the moment the classification is added.
Where it does change: at renewal. The bond renewal questionnaire asks about current classifications, and a meaningful change in trade profile — say, a previously single-classification landscaping contractor adding C-39 roofing or a C-8 concrete contractor adding C-22 asbestos abatement — gets reviewed. The bond face amount stays $25,000. The premium may move because carriers segment rate by trade class. Quiet trades (C-7, C-13, C-27) rarely affect price. Higher-claims trades (C-39, C-36, C-10 — the trades carriers most consistently cite when they segment by frequency) can shift the renewal rate up a tier even when the underwriting credit on file is unchanged.
When a C-20 holder adds C-36: what changes on the bond file (and what doesn't)
A common Northern California scenario: a small HVAC company with five years of clean C-20 history wants to add C-36 plumbing because the GCs they sub for are pricing tighter on bundled mechanical-plus-plumbing scopes. The owner has the hours (he came up through a union plumbing local before opening the HVAC shop) and the application math is straightforward — $230 to CSLB, the C-36 trade exam, an experience affidavit signed by a former employer. CSLB processes the addition in roughly four weeks and the pocket license is reissued with C-20 and C-36 both listed under the same license number.
What changes on the bond file at the moment of addition: nothing. The existing $25,000 BPC §7071.6 bond is already on file with CSLB and it already covers every classification on the license — adding C-36 doesn't generate a rider, a re-execution, a re-underwriting, or a re-billing. The surety often doesn't learn about the new classification until the renewal questionnaire goes out twelve months later.
What does change is the renewal review. C-36 plumbing sits in the upper tier of carrier claim-frequency segments — plumbing scopes generate more consumer complaints and more bond claims than HVAC scopes do, broadly speaking — and the underwriter prices accordingly. In this kind of file the renewal premium on a $25,000 face-amount bond typically moves up roughly one credit tier: meaningful in dollar terms (a contractor who was paying low-end on a clean C-20-only file may move into mid-tier pricing once C-36 is added), but meaningless to the obligee or consumer because the bond face amount is unchanged. The bond is still $25,000. The premium just reflects a different trade mix. Carriers do this on every multi-classification file; it is not a penalty, it is the rate book working as written.
Pattern reflects standard surety underwriting filters for multi-classification CSLB risks as described in carrier rate filings and the trade-segment guidance used across A-rated commercial surety markets. License-pending producer review under Eric Drummond (Nevada, all bond lines). No customer-identifying details are used; the file shape is abstracted from common multi-classification scenarios our agency sees on California contractor renewals.
Same $25,000 bond, whatever your classification.
Whether you hold a single Class A or you're running C-10 and C-46 on one license, the bond on file is identical. Get your quote in about a minute.
Experience and exam: four years in this classification, not in “contracting”
The single most common rejection reason on a CSLB application is misallocated experience. BPC §7068 delegates the specific experience requirement to the Board, and the Board has set four years of qualifying experience in the specific classification applied for. Journeyman, foreman, supervising employee, contractor, or owner-builder time all count — provided someone with firsthand knowledge of the work will sign the verification — but the hours have to be in the trade you are applying for. A C-10 electrical journeyman's hours do not qualify you to sit for the C-36 plumbing exam, and a Class B general building career does not qualify you to take the Class A engineering exam.
Up to three of the four years can be substituted with relevant technical training or education, but at least one year must be hands-on practical experience. C-61 applicants take a certification exam tailored to the limited specialty rather than the standard CSLB trade exam, which is one reason the C-61 path is shorter for specialties that don't cleanly fit any other code.
For the deeper procedural mechanics — Live Scan, BQI, RME vs RMO qualification, and how disciplinary bonds layer on top of the standard bond — read the sibling CSLB License Bond Guide and the cross-state contractor license bond requirements guide.
Classification questions, answered
Questions a CSLB licensee actually asks the surety desk — not the generic “what is a contractor bond” question the existing CSLB License Bond Guide handles.
Can I add a second CSLB classification to my license without posting a second bond?
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Which CSLB classifications are required to carry workers’ compensation insurance right now?
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What is the actual difference between a Class B General Building and a Class B-2 Residential Remodeling license?
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If I held a Class D license, do I still have a Class D license today?
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Does each new classification I add change the price I pay for the $25,000 bond?
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How much experience does CSLB actually require to apply for a specific classification?
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Where on this list does Class A vs Class B actually matter for the kind of work I bid?
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Eric Drummond
Producer — Nevada, all bond lines (license pending)
- Nevada: License #Pending issuance — Q2 2026 (All Bond Lines)
- ✓Surety bond review across all 50 U.S. jurisdictions
All content is researched from official state and federal sources (.gov) and reviewed by surety bond specialists. We maintain direct integrations with Treasury-certified surety carriers rated A- or better by AM Best.
Related coverage on this site
CSLB classification questions overlap with the bond itself, with specific trade product pages, with cost references, and with the broader contractor-licensing picture across all 50 states.
One bond. Every classification. Yours in about a minute.
No matter which CSLB classifications — A, B, B-2, any C-# subclass, or legacy D-codes — the $25,000 BPC §7071.6 bond is the same instrument. Same file, same face amount, same filing process. Pricing is driven by credit and trade mix, not by which class your license carries.