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Workers' Compensation Insurance

Class Code 5645

Carpentry – Detached One or Two Family Dwellings

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Martin Summers

Insurance Agent

Class code 5645 is used for employees who perform all carpentry and siding installation work in the construction of a single or double occupancy residential dwelling (three stories high or less) under the contractor or general contractor responsible for the entire construction project. Work would include construction of the sill, rough framing, rough flooring, studs and joists (made of wood or light-gauge steel), rafters and roof deck, all roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking, interior wood trim, and construction of any detached structures. All types of siding installation are also included, such as aluminum, cedar shingle, composite or engineered wood, seamless steel, vinyl, and traditional wood. In addition, the repair or remodeling of a carpentry nature to residential structures is also included within this classification, as long as there is framing or structural carpentry renovation and not simply interior or exterior trim and beautification work. Finally, class code 5645 is also used to classify those employees that perform carpentry work in connection with the moving or raising of a building.

Exclusions to this class code would be anyone performing carpentry work or siding installation on buildings taller than three stories or that are not considered residential dwellings and anyone who performs remodel or repair work that has no structural or framing involved with it. For example, renovation of a kitchen that requires wallboard replacement, finished flooring work, and cabinet installation would not be structural in nature and would be excluded. When classifying workers to this class code, it is also important to follow the extra-territorial classification guidelines for each worker to ensure that they are properly classified.

Florida Rates for Class Code 5645

2014 Rate: $19.79
2013 Rate: $19.40

Each workers' compensation class code in Florida has a unique rate assigned to it based on the likelihood of workplace injuries for the group of employees throughout the state that are assigned to that class code. Click this link for more information about the ratemaking process. The rates used in Florida workers comp insurance were increased in 2014 by an average of 6.1% by the Florida Office of Insurance Regulation.

For class code 5645, this rate change resulted in a 2% increase from 2013 to 2014. The 2014 rate for this classification is 19.79 dollars for every 100 dollars of remuneration. Even with the increase in rates this year, the 2014 rate is still 56% below the 2003 rate of 44.09 dollars.

Despite the manual rates being set by the Florida government for workers comp class codes, there are still ways that employers can lower their overall workers compensation costs and total premium. Our insurance agents would like the opportunity to discuss these premium discounts and other cost savings measures with your business. Contact us today to receive competitive quotes for your business.

Other Related Class Codes

  • 5403 for siding installation on other buildings or structures

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