Workers' Comp for Carpentry & Framing Contractors
Carpentry & Framing payroll is normally classified under 5645 — Carpentry — Detached One- or Two-Family Dwellings. Whether you are legally required to carry workers' compensation depends on your state's employee threshold, which ranges from one employee to none at all. Pick your state below.
Choose your state
Carpentry & Framing in Florida
1 employee (construction) / 4 employees (non-construction)
Carpentry & Framing in Texas
Not mandated for private employers (elective)
Carpentry & Framing in Georgia
3 or more regularly employed
Class codes
| Code | Classification | What it covers |
|---|---|---|
5645 | Carpentry — Detached One- or Two-Family Dwellings | Framing and finish work on detached one- and two-family homes: sill, rough framework, floors, studs, joists, rafters, roof deck, sheathing, siding, doors, windows, wallboard, stairs, trim and cabinetry. |
5403 | Carpentry NOC | Carpentry not otherwise classified — commercial buildings, apartment buildings over the residential definition, and mixed-use construction. Also wooden decks and bridges. |
5551 | Roofing — All Kinds & Drivers | If your crew installs the roof covering itself and not just the deck, that portion is roofing, and it is rated separately. |
What makes carpentry & framing different
Framing crews get misclassified constantly — dropped into 5403 when their work is plainly 5645, or split across codes without the payroll records to support it. Both directions cost money at audit.
The residential/commercial line between 5645 and 5403 is the single most consequential classification decision a framing contractor makes, and almost nobody explains it before the audit.
What underwriters ask
- Residential versus commercial split — this drives whether you sit in 5645 or 5403
- Number of storeys worked and any work above three storeys
- Whether you frame, finish, or both, and how much of the payroll sits in each
- Subcontractor use and certificate collection discipline
- Loss runs and experience modifier
- Tool and power-equipment safety program
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Common questions
What is the workers' comp class code for carpentry & framing?
5645 — Carpentry — Detached One- or Two-Family Dwellings. Framing and finish work on detached one- and two-family homes: sill, rough framework, floors, studs, joists, rafters, roof deck, sheathing, siding, doors, windows, wallboard, stairs, trim and cabinetry.
Which states does Anvil cover for carpentry & framing?
Anvil operates in states with a competitive private workers' compensation market. We do not operate in Ohio, North Dakota, Washington or Wyoming, where coverage is bought from a state fund. Florida, Texas and Georgia are live today.