Class Code 5403 — Carpentry NOC

Michigan Workers Compensation | NCCI Class Code 5403

What This Class Code Covers

Class code 5403 covers general carpentry work not otherwise classified, including framing, rough carpentry, finish carpentry, and general woodworking on construction job sites. This is one of the most common construction classifications in Florida's active building market. Work involves framing walls and roofs, installing structural components, and performing general carpentry tasks. Hazards include falls from heights, nail gun injuries, saw injuries, and heavy lifting.

Who Is Classified Under Code 5403

Carpenters, carpenter helpers, framing crews, and general construction laborers performing carpentry work.

Michigan Rate for Class Code 5403

The current Michigan workers' compensation rate for class code 5403 is $4.00 per $100 payroll. This rate is used to calculate your annual premium: (Total Payroll ÷ 100) × Rate. Your actual premium may be adjusted by your experience modification rate (EMR) and any applicable credits or debits.

Examples of Businesses Under Code 5403

A general carpentry contractor in Jacksonville framing new residential homes and commercial buildings. A small woodworking shop in Gainesville performing rough and finish carpentry on various construction projects.

Common Claims for Class Code 5403

Cuts and lacerations from power tools (saws, nail guns), falls from ladders or incomplete structures, and struck-by incidents from falling lumber are common. Back strains from lifting heavy materials also occur.

Premium Reduction Tips

  • Fall protection is required for carpentry work at heights
  • Nail gun safety training reduces a common source of puncture wound claims
  • If work is exclusively on detached dwellings, code 5645 may apply

Get a Quote for Class Code 5403 in Michigan

Bright Coast Insurance provides workers' compensation quotes for class code 5403 in Michigan. Call or text (239) 323-0785 or request a free quote online. We serve businesses statewide with same-day certificates of insurance available for qualifying accounts.

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