Workers Comp Class Code 5714 — Door, Door Frame or Sash Installation
Florida NCCI Workers Comp Classification
FL NCCI Rate
$6.10
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5714, a worker earning $800/week costs just $48.80/week in workers comp through our PEO program.
FL NCCI Rate
$6.10/$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 5714?
NCCI class code 5714 covers Door, Door Frame or Sash Installation 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 5714 is $6.10 per $100 of payroll, placing it in the medium-risk tier.
Covers contractors who install doors, door frames, windows, and sashes. Florida hurricane impact door and window market creates strong demand for specialized installation contractors.
Because code 5714 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 5714
5-Year Rate Trend
Code 5714 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5714 have decreased from $6.80 to $6.10 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5714
No deposit. No audit. Same-day COI.
Door and window installation contractors often work as subcontractors on new construction 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 window installer in Fort Lauderdale suffered severe lacerations when a large impact window shattered during installation. Workers comp covered $45,000 in hand surgery.
Common Job Titles Under Code 5714
Top Workers Comp Risks for Code 5714
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 5714
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5714, 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 5714
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.
29 CFR 1926.501 – Duty to Have Fall Protection: requires guardrails, safety nets, or personal fall arrest when door/window installers work 6 feet or more above a lower level or at wall openings, including second‑story window and balcony door installs.
29 CFR 1926.1053 – Ladders: governs ladder selection, setup (4:1 angle), securing/tying off, and prohibits standing on the top steps; critical when setting doors and windows from extension or A‑frame ladders.
29 CFR 1926.451 – Scaffolds: requires proper design, planking, guardrails/midrails, access, and tie‑ins when crews use pump jacks or frame scaffolds to install upper‑story windows or patio doors.
29 CFR 1926.302(b) – Pneumatic Power Tools: mandates safety devices on nail/staple guns, hose restraints, and proper connectors used to shim and fasten frames during door/sash installation.
29 CFR 1926.1153 – Respirable Crystalline Silica: requires control methods (Table 1), wet cutting, or HEPA dust collection when drilling/grinding masonry openings to anchor door/window frames.
Florida Stop-Work Order Cases — Code 5714
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5714.
Hillsborough County (2022): A 5714 contractor installing replacement windows and exterior doors at a two‑story townhome project operated 3 uncovered installers for 14 days. DFS issued a stop‑work order; daily penalties of $42,000 (3 employees × 14 days × $1,000) plus twice the estimated unpaid premium of $19,000, for a total penalty of $61,000.
Miami‑Dade County (2023): Crew setting impact‑rated sliding patio doors and entry units on a three‑story townhouse build had 6 workers without active workers’ comp for 20 days. DFS assessed $120,000 in daily penalties (6 × 20 × $1,000) plus 2× unpaid premium of $76,000, totaling $196,000.
Orange County (2021): Small door/window replacement outfit on a subdivision tract job used 2 uncovered helpers for 9 days. DFS levied $18,000 in daily penalties (2 × 9 × $1,000) plus twice the estimated unpaid premium of $12,400, for a total of $30,400.
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 5714
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5714. Understanding these declination triggers helps you find the right coverage path.
Regular use of ladders and pump‑jack scaffolds to set second‑story windows/doors (heights over 20–30 feet) without a documented fall‑protection program—underwriters see frequent ladder falls in 5714 and decline or surcharge.
Operations drift into glazing (5462) such as handling large IGUs/storefront systems while the account requests 5714 pricing; carriers avoid misclassification exposure and decline if any curtain wall/storefront work appears.
Heavy use of 1099 installer crews or uninsured subs common in door/sash replacement; carriers won’t accept 5714 without strict subcontractor agreements and valid COIs for all labor.
Poor loss history specific to 5714 hazards—back strains from lifting patio doors, lacerations during sash removal, nail‑gun punctures, and silica citations—signals inadequate safety controls and leads to declination.
Common Workers Comp Audit Mistakes for Code 5714
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5714. These are the most common audit mistakes to avoid.
Coding window/door install payroll to interior trim carpentry (5437) or general carpentry (5645) to chase a lower rate; NCCI generally won’t allow split payroll when the same employee installs doors/windows and performs other carpentry.
Treating 1099 door/window helpers as true subcontractors but failing to collect valid Florida workers’ comp certificates—auditors add those payments back to 5714 payroll, spiking premium.
Including glazing work (setting glass panes) under 5714 instead of carving it out to 5462; auditors reclassify those hours to the higher‑hazard code and bill retro premium.
Classifying material runners/install helpers as clerical (8810) or outside sales (8742) even though they load, deliver, and assist on site; auditors move that time back to 5714.
Paying piece‑rate per opening without detailed job logs; during audit, the entire gross (including certain allowances) gets treated as 5714 payroll because labor vs. materials isn’t clearly documented.
Experience Mod (EMR) & PEO Advantage
For 5714, the mod is highly sensitive to frequent, lower‑severity claims like ladder falls, back strains from lifting heavy doors, and nail‑gun injuries—two or three small losses can push an EMR over 1.00 faster than a single large claim. A PEO program through Comp Ninjas places your crew on a master policy, adds safety support tailored to door/window installs (ladder and material‑handling controls), and tightens claims management—reducing both claim frequency and the long‑term impact on your mod.
Frequently Asked Questions — Code 5714
What is the workers comp rate for class code 5714 in Florida?
The Florida NCCI rate for class code 5714 (Door, Door Frame or Sash Installation) is $6.10 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $9,150.
Can I get same-day workers comp coverage for class code 5714?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5714 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 5714 considered high-risk in Florida?
Code 5714 is classified as medium-risk based on its NCCI rate of $6.10 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 5714?
A traditional policy for code 5714 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 5714, the annual cost would be approximately $9,150.
How do I switch to a PEO program if I already have a workers comp policy for code 5714?
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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