Workers Comp Class Code 5645 — Carpentry — Detached Dwellings (New Construction Framing)
Florida NCCI Workers Comp Classification
FL NCCI Rate
$7.69
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5645, a worker earning $800/week costs just $61.51/week in workers comp through our PEO program.
FL NCCI Rate
$7.69/$100
per $100 payroll
Risk Level
High
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 5645?
NCCI class code 5645 covers Carpentry — Detached Dwellings (New Construction Framing) 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 5645 is $7.69 per $100 of payroll, placing it in the high-risk tier.
Covers carpenters building the structural frame of new single-family or two-family homes. Think of the crew that puts up the wood frame before drywall goes in. One of the most common codes for small residential construction contractors in Florida.
Because code 5645 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?
At $7.69 per $100 (2026 FWCJUA rate), a framer earning $900/week costs about $69.20/week in workers comp. On a 6-man framing crew, that's roughly $415/week in comp cost. PEO lets you pay that weekly based on actual payroll — no $20,000 deposit to start the year.
Rate History — Code 5645
5-Year Rate Trend
Code 5645 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5645 have decreased from $9.50 to $7.69 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5645
No deposit. No audit. Same-day COI.
Framing contractors are often denied coverage or hit with a 30% deposit requirement by standard carriers. PEO eliminates the deposit, provides instant COI for every GC on every job site, and scales up or down as your crew size changes week to week. If you land a big contract and need to add 4 framers next Monday, your coverage is automatic.
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 6-man framing crew in Cape Coral is building spec homes. One worker falls through an unfinished floor opening and injures his back. The PEO workers comp pays for surgery, rehab, and lost wages — and the developer's GC gets the COI they need to keep the project moving.
Common Job Titles Under Code 5645
Top Workers Comp Risks for Code 5645
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 5645
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5645, 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 5645
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 1926.502
Fall Protection: floor openings must be covered or guarded with standard guardrails; covers must be capable of supporting twice the maximum intended load.
OSHA 1926.1053
Ladder Safety: portable ladders must be secured at the top and bottom; side rails must extend 3 feet above the landing.
OSHA 1926.300
Power Tools: all power tools must have guards in place; circular saws require blade guards.
OSHA 1926.20
General Safety Requirements: a competent person must conduct frequent and regular inspections of job sites, materials, and equipment.
Florida Stop-Work Order Cases — Code 5645
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5645.
Lee County, 2023: A 6-man framing crew was found working without workers comp on a spec home development. DFS issued a stop-work order. Penalty: $28,400.
Collier County, 2022: A framing contractor classified all workers as 1099 subcontractors. DFS determined they were employees. Retroactive premium plus penalties totaled $38,600.
Charlotte County, 2023: A framing company had a policy but the GC required an additional insured endorsement that wasn't on the COI. Work stopped for 3 days until the endorsement was added.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Typical Payroll & Workers Comp Cost — Code 5645
These are representative payroll ranges for businesses classified under code 5645 in Florida. Actual costs depend on your specific payroll, experience mod, and underwriting factors.
| Crew Size | Weekly Payroll | Est. Annual Comp Cost |
|---|---|---|
| 3-man crew (small residential) | $2,700/week | $10,795/year |
| 6-man crew (standard) | $5,400/week | $21,591/year |
| 10-man crew (production builder) | $9,000/week | $35,985/year |
Estimates based on Florida NCCI rate $7.69/$100 of payroll. Pre-underwriting estimate only.
Why Standard Carriers Decline Code 5645
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5645. Understanding these declination triggers helps you find the right coverage path.
Framing is one of the most frequently declined construction codes in Florida — fall exposure and power tool injury frequency make it unattractive to standard carriers.
Any framing account with a prior fall claim is almost universally declined by standard carriers for 3–5 years.
New framing contractors (under 2 years) are routinely declined and must use the PEO or assigned risk pool.
Accounts that do both framing and roofing are often required to split payroll between 5645 and 5551, and may be declined entirely for the roofing portion.
Common Workers Comp Audit Mistakes for Code 5645
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5645. These are the most common audit mistakes to avoid.
Including lumber and material costs in the payroll base — materials purchased by the contractor are excluded from the workers comp audit.
Not splitting payroll between framing (5645) and finish carpentry (5403) when the same crew does both — all payroll defaults to the higher framing rate.
Failing to obtain certificates of insurance from subcontractors — uninsured sub payroll is added to your audit at your highest rate.
Experience Mod (EMR) & PEO Advantage
Framing has the highest claim frequency of any construction code. A 6-man crew working 50 weeks per year has statistically a 1-in-4 chance of a recordable injury annually. With a PEO, your individual EMR is absorbed into the master policy — you don't get penalized for industry-wide loss patterns.
Frequently Asked Questions — Code 5645
What is the workers comp rate for class code 5645 in Florida?
The Florida NCCI rate for class code 5645 (Carpentry — Detached Dwellings (New Construction Framing)) is $7.69 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $11,534.
Can I get same-day workers comp coverage for class code 5645?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5645 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 5645 considered high-risk in Florida?
Code 5645 is classified as high-risk based on its NCCI rate of $7.69 per $100 of payroll. This rate is above 5%, which means standard carriers may decline coverage or require large deposits. Our PEO program specializes in covering high-risk classifications that standard carriers decline.
What is the difference between a PEO and a traditional workers comp policy for code 5645?
A traditional policy for code 5645 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 5645, the annual cost would be approximately $11,534.
How do I switch to a PEO program if I already have a workers comp policy for code 5645?
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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