Workers' Compensation Insurance

Class Code 5651

Carpentry – Dwellings of 3 Stories or Less

Author Information

Martin Summers

Insurance Agent

Class code 5651 is used for employees that perform carpentry related construction and siding installation work for multi-dwelling residences (three stories in height or less) or for military buildings designed for housing, welfare, and keep of personnel 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.

Exclusions to this class code would be anyone performing carpentry work or siding installation on buildings taller than three stories, that are considered single or double occupancy residential dwellings, or that are mixed use structures. 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 5651

2014 Rate: $9.85
2013 Rate: $11.68

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 5651, this rate change resulted in a 18.6% decrease from 2013 to 2014. The 2014 rate for this classification is 9.85 dollars for every 100 dollars of remuneration. With the decrease in rates this year, the 2014 rate is 67.1% below the 2003 rate of 35.52 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 carpentry, NOC
  • 5645 for carpentry, one or two family dwellings

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