Workers Comp Class Code 5712 — Cabinet Works - Installation at Job Site
Florida NCCI Workers Comp Classification
FL NCCI Rate
$5.20
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5712, a worker earning $800/week costs just $41.60/week in workers comp through our PEO program.
FL NCCI Rate
$5.20/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 5712?
NCCI class code 5712 covers Cabinet Works - Installation at Job Site in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 5712 is $5.20 per $100 of payroll, placing it in the medium-risk tier.
Covers cabinet installation contractors who install kitchen and bathroom cabinets, built-ins, and custom millwork at job sites. Florida luxury residential market drives strong demand.
Because code 5712 is a construction classification, Florida law requires workers' compensation coverage from the first employee. Construction employers cannot use the 4-employee threshold that applies to non-construction businesses.
What Does This Rate Mean in Real Dollars?
Contact Comp Ninjas for a personalized rate quote. PEO pricing is pay-as-you-go with no deposit required.
Rate History — Code 5712
5-Year Rate Trend
Code 5712 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5712 have decreased from $5.80 to $5.20 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5712
No deposit. No audit. Same-day COI.
Cabinet installation contractors often work as subcontractors on new construction and renovation projects requiring same-day COI. PEO provides flexible coverage with no deposit.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A cabinet installer in Naples suffered a herniated disc while lifting a heavy upper cabinet into position. Workers comp covered $52,000 in spinal treatment and physical therapy.
Common Job Titles Under Code 5712
Top Workers Comp Risks for Code 5712
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 5712
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5712, coverage is required with 1 or more employees — including the business owner unless a valid exemption is on file with the Florida Division of Workers' Compensation.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 5712
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
OSHA 29 CFR 1926.302(b)(3) – Pneumatic nailers/staplers used to fasten cabinets must have a safety device on the muzzle to prevent the tool from operating unless it is pressed against the work surface; hoses and fittings must be secured to prevent whipping.
OSHA 29 CFR 1926.1053 – Ladders: cabinet installers must use ladders correctly (4:1 angle for extension ladders, no standing on top steps, regular inspection, and maintaining three points of contact) when setting uppers and trim at height.
OSHA 29 CFR 1926.404(b)(1) – Ground-fault protection: 120‑volt receptacle outlets on construction sites used for corded miter/table saws and drills must be protected by GFCIs or a written Assured Equipment Grounding Conductor Program.
OSHA 29 CFR 1926.102 – Eye and face protection: when cutting, routing, or nailing cabinets/trim, employees must wear appropriate eye protection (e.g., safety glasses with side shields) and face shields as needed.
OSHA 29 CFR 1926.55(a) – Air contaminants: wood dust from on‑site cutting must be controlled so exposures do not exceed limits referenced in Table 1 (incorporating 1910.1000); use local exhaust, wet methods, or respirators when needed.
Florida Stop-Work Order Cases — Code 5712
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5712.
Orange County (2022) – DFS investigators found a cabinet installation crew of five setting kitchen uppers in an occupied home remodel without workers’ comp; all were treated as 1099s with no valid COIs. The company had been active on that site for 23 days. Penalty assessed: $115,000 for noncompliance days ($1,000 x 5 employees x 23 days) plus twice the estimated unpaid premium (~$9,000), totaling about $124,000.
Miami-Dade County (2024) – A cabinet installer working luxury condo build-outs allowed its policy to lapse while seven field installers continued work using pneumatic nailers and ladders. DFS documented 45 uncovered workdays across multiple units. Penalty assessed: $315,000 for days uncovered ($1,000 x 7 x 45) plus twice the unpaid premium (~$28,000), for a total near $343,000.
Pinellas County (2021) – Small three-person cabinet crew doing condo kitchen replacements relied on an expired subcontractor COI and had no direct comp policy. Investigators verified 14 days of active jobsite work while uninsured. Penalty assessed: $42,000 ($1,000 x 3 x 14) plus twice the unpaid premium (~$6,000), totaling about $48,000.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 5712
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5712. Understanding these declination triggers helps you find the right coverage path.
Heavy use of ladders and overhead installation of uppers increases fall severity potential; underwriters for 5712 will decline if there’s no documented ladder program, training, and incident history showing good control.
Frequent use of pneumatic nailers and portable saws leads to high frequency of hand/eye lacerations; carriers may surcharge or decline when loss runs show multiple medical-only cuts or when sequential‑trigger nailers and eye protection aren’t mandated on jobs.
Mixed operations (shop fabrication, tear‑out/demolition, delivery, and installation) without clean payroll separation raise misclassification risk; many standard carriers won’t write 5712 if shop work (e.g., 2802) and demo (5213) are blended with install.
Reliance on uninsured 1099 installers or multiple subs without current COIs makes 5712 uninsurable with admitted markets due to ‘statutory employer’ exposure and unpredictable payroll at audit.
Common Workers Comp Audit Mistakes for Code 5712
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5712. These are the most common audit mistakes to avoid.
Blending shop fabrication hours with field installation under 5712 instead of separating shop time to the proper shop code (e.g., 2802); without contemporaneous time records, auditors assign all wages to the higher‑rated exposure.
Treating 1099 cabinet installers as exempt and failing to collect valid, job‑specific COIs; at audit, those payments are picked up as uninsured subcontractor payroll and charged to 5712.
Not separating delivery‑only driver payroll (e.g., 7380) from field installation; if the same employee occasionally helps hang cabinets and no timecards exist, all wages get moved into 5712.
Classifying working supervisors or owners under 5606 (outside sales/supervisors) while they still use tools on site; without clear, verifiable time split, auditors reclass all of their payroll to 5712.
Experience Mod (EMR) & PEO Advantage
For cabinet installers in 5712, frequent medical-only claims from cuts, nail-gun punctures, and strains can quickly raise the EMR, and a single ladder fall or eye injury can spike severity and keep the mod above 1.00 for years. A PEO can stabilize your mod by tightening jobsite controls (sequential-trigger nailers, ladder and PPE programs), fast-tracking return-to-work, and ensuring clean class-code separation so small claims don’t snowball into audit surprises that inflate future premiums.
Frequently Asked Questions — Code 5712
What is the workers comp rate for class code 5712 in Florida?
The Florida NCCI rate for class code 5712 (Cabinet Works - Installation at Job Site) is $5.20 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $7,800.
Can I get same-day workers comp coverage for class code 5712?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5712 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 5712 considered high-risk in Florida?
Code 5712 is classified as medium-risk based on its NCCI rate of $5.20 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 5712?
A traditional policy for code 5712 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 5712, the annual cost would be approximately $7,800.
How do I switch to a PEO program if I already have a workers comp policy for code 5712?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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