Class code 5645: residential carpentry
Under NCCI's 2013 wording, code 5645 covers carpentry on residential dwellings up to three stories; taller dwellings and commercial buildings are 5403. Some states keep older, narrower wording, and Texas does not list 5645.
- SYSTEM
- NCCI numbering
- INDUSTRY
- Construction
- WHERE
- NCCI states, not Texas
- PREMIUM ON
- Payroll in this class
Carpentry on residential dwellings up to three stories, under NCCI's wording.
What work does code 5645 cover?
All carpentry on a dwelling project of three stories or less goes to 5645 when the carpentry contractor or general contractor responsible for the whole dwelling does it with its own employees. That is the project rule: employees are classed by the project, not by the kind of carpentry, so their trim work is 5645 too. Florida's rule (2011) and Minnesota's manual still list 5645 for detached one- or two-family dwellings, next to 5651 for other dwellings up to three stories; Minnesota's 5651 is for buildings designed mainly for several households.
Described in our own words from NCCI's 2013 carpentry change as Beacon Mutual summarized it, Florida's construction classification rule and Minnesota's rating bureau manual. Wording and scope differ by state; the manual filed in your state decides.
Often confused with
Which pay counts toward code 5645 premium?
Premium is figured on payroll for the work in this class, and the rate is premium per $100 of it. What counts is set state by state. Minnesota's manual and Oregon's state fund, SAIF, both count employees' pre-tax deductions, such as 401(k) and Section 125 contributions, and both leave out the overtime premium, the extra half of time and a half (Minnesota requires records that show overtime pay by employee and by class). Check your state's rules. Minnesota and SAIF both count prevailing wage (Davis-Bacon) pay, but not the employer's fringe payments into a qualified pension trust; SAIF also leaves out those paid into a group insurance plan.
Where does code 5645 apply?
NCCI is the rating bureau
These states have named NCCI their rating organization, so the code comes from NCCI's manual, with each state's exceptions.
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia
Texas does not list 5645 in its advisory loss costs effective July 1, 2026, so a Texas policy uses another class for this work.
Florida's rule (2011) still lists 5645 for detached one- or two-family dwellings and 5651 for other dwellings up to three stories.
Own rating bureau: check its manual
An independent bureau sets the classes. Many numbers match NCCI's, but wording and scope can differ: Indiana's bureau files NCCI's manual with Indiana-specific codes, while Minnesota's publishes its own.
California, Delaware, Indiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Wisconsin
State fund only
NCCI lists these as monopolistic states: workers' comp comes from the state fund, so ask the fund how it classes your work. Ohio's fund rates on NCCI classification codes; North Dakota, Washington and Wyoming use their own. Washington has its own risk classes and publishes hourly rates, so premium there follows hours worked, not payroll.
Listed differently in these states
- Minnesota lists 5645 for detached one- or two-family dwellings and 5651 for buildings designed mainly for several households.
Sources: NCCI State Map: NCCI, independent bureau and monopolistic states; TDI: Texas advisory loss costs, effective July 1, 2026. Each state's rules and sources: Workers' comp by state.
Your payroll, your rate, before discounts and assessments.
Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.
In North Dakota, Ohio, Washington and Wyoming, ask the state fund for your class and rate.
COMMON QUESTIONS
- Do apartments use 5645 or 5403?
- Under NCCI's wording it depends on height: dwellings over three stories are 5403, up to three stories 5645. Florida's 2011 construction rule and Minnesota's manual still list a separate 5651 for dwellings up to three stories other than detached one- or two-family homes.
- Is code 5645 used in Texas?
- No. Code 5645 is not in Texas's advisory loss costs effective July 1, 2026, so this work takes another class there. Your carrier or advisor confirms which.
- How is the premium for code 5645 worked out?
- Your payroll in this class, divided by 100, times your carrier's rate for the class. Then your experience mod, any schedule credit or debit, and an expense constant if your policy has one. Premium discounts, state assessments and minimum premiums are separate.
SOURCES
- Beacon Mutual: NCCI class code alert, changes to carpentry codes (2013)
- Fla. Admin. Code 69L-6.021: construction classification codes (2011)
- MWCIA: Minnesota Basic Manual, effective July 15, 2026
- TDI: Texas advisory loss costs, effective July 1, 2026
- NCCI State Map: NCCI, independent bureau and monopolistic states
- Indiana Compensation Rating Bureau: classification code rates and look-up
- SAIF (Oregon): wages and pay to report
- Washington L&I: risk classes for workers' compensation
- Washington L&I: rates for workers' compensation
For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.
New to workers' comp? Worklio HCM explains workers' compensation.