Contractors
Class Code 5102: Door and Window Installation—All Types—Residential and Commercial — Workers' Comp Insurance
Covers contractors who install doors and windows in residential and commercial buildings, including framing, setting, and sealing the units. It's a dedicated classification for this specific installation trade, distinct from general carpentry.
- Risk level:
- elevated
What code 5102 covers
Class 5102 applies to contractors installing doors and windows of all types in residential and commercial buildings, covering crews who prepare rough openings, set and level door and window units, and seal and finish the installation. The work involves lifting and maneuvering door and window units, which can be heavy depending on material and size, along with the precision needed to properly set and seal units against moisture and air infiltration. This classification covers installation broadly across residential and commercial settings and across door/window types, from standard entry doors to larger commercial storefront systems. Contractors who also perform general framing or finish carpentry beyond door and window installation may need that additional work evaluated under the applicable carpentry classification.
Included operations
- Rough opening preparation for doors and windows
- Setting, leveling, and securing door and window units
- Sealing and flashing to prevent moisture and air infiltration
- Both residential and commercial door and window installation
Assigned elsewhere
- General framing and structural carpentry beyond door/window installation — see code 5403 or 5645 as applicable
- Glass replacement and glazier work — see code 5462 (Glazier—Away From Shop & Drivers)
- Garage door installation and repair, evaluated under the applicable classification
- Automatic/commercial door hardware and access control system installation, evaluated under the applicable specialized classification
Businesses that typically carry 5102
- Door and window installation contractors
- Replacement window companies
- Commercial storefront installation contractors
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5462
Door and window installers and glaziers both work with similar materials, but glass replacement/glazing work specifically is a separate classification.
Code 5437
Installers who also handle finish trim around doors and windows can blend this classification with finish carpentry if that scope isn't tracked separately.
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What drives the cost of code 5102
- Total payroll for employees performing the classified work, not gross receipts
- Experience modification factor built from claims history
- State-specific base rates and loss costs filed for this class code
- Use of subcontractors and whether they carry their own workers' comp coverage
- Safety programs, jobsite supervision, and documented training
- Payroll properly split across multiple classifications when work crosses trades
What underwriters look for
- Years in business and prior workers' comp loss history
- Types of jobs typically performed (new construction, remodel, residential vs. commercial) and average job size
- Whether subcontractors are used and certificates of insurance are collected and tracked
- Total payroll for employees actually performing the classified work
- Safety program, training documentation, and any OSHA history
Eligibility
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 5102 fits
Quote class code 5102.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 5102 questions
Does this code cover both residential and commercial installation?
Yes, 5102 covers door and window installation broadly across both residential and commercial settings.
How is this different from glazier work?
Glazier work (5462) is specific to glass replacement and glazing; this code covers the installation of complete door and window units.
Does this cover garage door installation?
Garage door installation and repair is typically evaluated under a different, applicable classification.
What if we also do trim carpentry around the doors and windows we install?
That finish carpentry work may need to be evaluated under a separate classification depending on the scope.
Last reviewed · Reviewed by Provident Financial Group licensed agents