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Workers' Compensation Insurance

April 14th, 2011

Carpentry Classification Codes

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There are five classification codes used for the workers compensation policies of carpentry businesses in Florida:

2802 – This classification is applicable to businesses whose operations consist of the manufacture and/or assembly of wood products in a shop. The products manufactured typically will not require a high degree of finishing work. If an insured engages in both carpentry shop and installation/erection operations, separate classifications may apply to each type of exposure. For example, preliminary shop carpentry performed by contractors in connection with the building of private residences may be assigned to Code 2802 while the actual building of the dwelling may be assigned to a carpentry construction classification such as Code 5645. Refer to the Basic Manual for rules governing this type of situation as well as the necessary record keeping requirements. The Florida rate for this classification in 2011 is now 6.96 dollars for every 100 dollars of remuneration. At the height of the rates in 2003, it was 19.06 percent of total remuneration.

5437 – This classification code is intended primarily for specialist contractors performing interior carpentry finish or trim such as the installation of paneling, molding, cornices, parquet or finished wooden flooring, mantels, staircases, cabinets and counters. This classification code is not applicable to contractors who perform other carpentry operations in addition to ones listed above at the same job or location, and if other work is done, then the entire carpentry payroll must be assigned to the applicable carpentry construction classification. The Florida rate for this classification in 2011 is now 7.33 dollars for every 100 dollars of remuneration. At the height of the rates in 2003, it was 25.27 percent of total remuneration.

5645 – This classification is assigned when all of the carpentry work in connection with the construction of a private residence is performed by employees of the same contractor, all work including the construction and erection of the sill, rough framework, rough floor, studs, joists, rafters, roof deck, all types of roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking and all interior wood trim. Carpentry repair or remodeling of private residences is also contemplated under this classification when the work includes some framing or structural carpentry renovation of the premises that would ordinarily be assigned to Code 5645. The Florida rate for this classification in 2011 is now 13.83 dollars for every 100 dollars of remuneration. At the height of the rates in 2003, it was 44.09 percent of total remuneration.

5651 – This classification code is used for carpentry work on dwellings for more than 2 families where all of the carpentry work in connection with the construction of the dwelling, that also must be three stories or less, is performed by employees of the same contractor. This work in this classification includes the construction and erection of the sill, rough framework, rough floor, studs, joists, rafters, roof decks, all types of roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, decking, fencing and all interior wood trim. Carpentry repair or remodeling of dwellings three stories or less is also contemplated under this classification. The Florida rate for this classification in 2011 is now 35.52 dollars for every 100 dollars of remuneration. At the height of the rates in 2003, it was 8.15 percent of total remuneration.

5403 – This classification code covers general carpentry work not otherwise classified in NCCI’s Scopes Basic Manual. It contemplates carpentry work of a commercial and industrial nature such as buildings or structures and the construction and repair of dwellings and other buildings that exceed three stories in height. Code 5403 includes interior or exterior framing activities that involve the use of wood and/or light-gauge steel. This code also further applies to the wrecking of wooden buildings or structures including wooden bridges. The Florida rate for this classification in 2011 is now 10.95 dollars for every 100 dollars of remuneration. At the height of the rates in 2003, it was 36.16 percent of total remuneration.

At FloridaWC, we can help classify your payroll into the appropriate classification code and would like to provide your construction business with quotes on Florida workers’ compensation insurance. Please give us a call or complete our online workers’ compensation quote request form to get started.

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