Texas 5645Texas non-subscriber stateConstruction

Workers Comp Class Code 5645 — Carpentry — Detached Dwellings (Framing)Texas

Texas reference rate for construction, with non-subscriber context and coverage considerations for project work.

rate per $100 payroll

$7.31

Carpentry — Detached Dwellings (Framing)

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Official-source evidence

Official Texas coverage context

These Texas compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.

Texas Department of Insurance states that private employers can choose to carry workers’ compensation coverage, although it is not required in most cases.

Source: Texas Department of Insurance, Division of Workers’ Compensation Texas coverage verification guidance

Texas Department of Insurance states that employers without coverage are non-subscribers and must notify their workers and the Texas Division of Workers’ Compensation.

Source: Texas Department of Insurance, Division of Workers’ Compensation Texas non-subscriber employer requirements

Comp Ninjas uses an educational reference rate of $7.31 per $100 of payroll for class code 5645 (Carpentry — Detached Dwellings (Framing)). Final classification and premium depend on underwriting.

Source: Comp Ninjas class-code reference Rate and underwriting context

Source register last reviewed .

Estimate annual cost for this Texas class code

Illustrative annual premium estimate

$18,275

This educational estimate uses the displayed Texas class-code rate. Final classification, premium, eligibility, and contract requirements depend on underwriting and the actual work performed.

Why Texas employers may still need workers’ comp

Coverage can be optional for private employers

Texas Department of Insurance says private employers can choose to carry workers’ compensation coverage in most cases.

Public entities must carry coverage

Texas Department of Insurance states that public schools, utilities, cities, counties, and other governmental entities must have workers’ compensation coverage.

Non-subscribers have notice obligations

Employers that do not provide coverage must notify their workers and the Texas Division of Workers’ Compensation.

PEO context for this Texas class code

Framing contractors in Texas face the same carrier declinations as Florida. PEO accepts all construction trades.

Subscriber or non-subscriber status does not replace a client, contract, public-project, or general-contractor coverage requirement. Verify coverage requirements before starting work.