Contractors
Class Code 5437: Carpentry—Installation of Cabinet Work or Interior Trim — Workers' Comp Insurance
Covers finish carpenters who install cabinets, interior trim, molding, and millwork, as distinct from structural framing carpentry, which carries a different classification. It reflects the detailed, finish-level nature of cabinet and trim installation work.
- Risk level:
- elevated
What code 5437 covers
Class 5437 applies to carpentry contractors specializing in the installation of cabinet work and interior trim, covering crews who install kitchen and bath cabinetry, baseboards, crown molding, door and window casing, and similar finish millwork. This work is more detail-oriented and precision-focused than structural framing, typically performed later in a construction or remodel project once rough framing and drywall are complete. Because finish carpentry and structural framing carry meaningfully different physical exposure, this classification is kept separate from general carpentry (5403), which covers broader structural and rough carpentry work. Contractors who do both framing and finish carpentry work may need payroll split between the two classifications depending on how the work is actually divided among crews.
Included operations
- Kitchen and bathroom cabinet installation
- Interior trim, molding, and casing installation
- Built-in shelving and millwork installation
- Door hardware and finish carpentry detail work
Businesses that typically carry 5437
- Finish carpentry and cabinet installation contractors
- Kitchen and bath remodeling companies
- Millwork and trim installation specialists
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5403
Finish carpenters who also do structural framing on the same projects can blend two distinct classifications if the work isn't tracked and split appropriately.
Code 2812
Finish carpenters who also fabricate cabinets in their own shop using power machinery can blend on-site installation work with shop manufacturing exposure that needs separate classification.
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What drives the cost of code 5437
- 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 5437 fits
Quote class code 5437.
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Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 5437 questions
How is this different from general carpentry?
5403 covers structural framing and rough carpentry, while 5437 is specific to finish-level cabinet and trim installation performed later in a project.
Does this code cover kitchen cabinet installation?
Yes, kitchen and bathroom cabinet installation is a core part of this classification.
What if our crews do both framing and finish trim work?
Payroll may need to be split between the framing classification and this finish-carpentry classification depending on how work is divided among crews.
Does this cover custom millwork and built-ins?
Yes, built-in shelving and custom millwork installation are included in this classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents