Class Code 5645 — Carpentry - Detached Dwellings

South Carolina Workers Compensation | NCCI Class Code 5645

What This Class Code Covers

Class code 5645 covers carpentry work on detached single-family dwellings, including framing, rough carpentry, and general carpentry on standalone residential structures. This is one of the highest-rated carpentry codes due to the combination of fall hazards from residential roof framing, the use of nail guns and power saws, and the physical demands of residential framing work. In Florida, residential construction is a major industry, particularly in high-growth areas like Orlando, Tampa, and South Florida.

Who Is Classified Under Code 5645

Residential framers, rough carpenters, and carpentry helpers working on detached single-family homes.

South Carolina Rate for Class Code 5645

The current South Carolina workers' compensation rate for class code 5645 is contact us for current rate. 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 5645

A residential framing contractor in Fort Myers building the wooden skeletons for new single-family homes. A small carpentry business in Gainesville performing rough carpentry work on custom homes.

Common Claims for Class Code 5645

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

Premium Reduction Tips

  • Fall protection is required for residential roof framing — temporary guardrails or personal fall arrest systems
  • Nail gun safety training reduces a very common source of puncture wound claims
  • Separate finish carpentry under code 5437 for premium savings

Get a Quote for Class Code 5645 in South Carolina

Bright Coast Insurance provides workers' compensation quotes for class code 5645 in South Carolina. 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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