Contractors
Class Code 5645: Carpentry—Detached One or Two Family Dwellings — Workers' Comp Insurance
Covers carpentry work on detached one- and two-family homes, spanning framing through finish work on this specific type of residential construction. It's a distinct classification because home-building carpentry carries a different risk profile than general commercial carpentry.
- Risk level:
- elevated
What code 5645 covers
Class 5645 applies to carpentry work performed specifically on detached one- and two-family dwellings, covering framing, sheathing, floor systems, and general carpentry tasks involved in building or substantially renovating this type of home. Because residential home-building carpentry has historically shown a different loss experience than general commercial or multi-family carpentry, NCCI created this dedicated classification specific to detached one- and two-family homes. The work spans the full range of a home-building project's carpentry needs, from structural framing through exterior sheathing, though finish trim and cabinet work is more typically evaluated under the dedicated finish-carpentry classification. Contractors who build both detached homes and other structures, such as townhomes, multi-family buildings, or commercial projects, need to evaluate which classification fits each specific project.
Included operations
- Framing of detached single-family and two-family homes
- Floor and structural framing systems for this dwelling type
- Exterior sheathing and structural carpentry
- General carpentry tasks throughout home construction
Businesses that typically carry 5645
- Custom home builders
- Residential framing contractors specializing in single-family homes
- General contractors building detached homes
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5403
Carpenters working across both detached single-family homes and multi-family or commercial projects sometimes leave everything under one code instead of splitting by dwelling type as this dedicated classification requires.
Code 5437
Finish trim and cabinet work performed by the same crew as framing can blend two distinct classifications if that portion of the job isn't tracked separately.
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What drives the cost of code 5645
- 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 5645 fits
Quote class code 5645.
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Class code 5645 questions
Why is this a different code from general carpentry?
Detached one- and two-family home construction has historically shown different loss experience than general commercial or multi-family carpentry, so NCCI created this dedicated classification.
Does this cover townhomes or multi-family buildings?
No, those are typically evaluated under the general carpentry classification (5403) rather than this detached-dwelling-specific code.
What if our crew also does finish trim and cabinets on the same home?
Finish carpentry work may fit a separate classification (5437) depending on how your crews' time is divided.
Does this code cover concrete or foundation work for the home?
No, concrete and foundation work is evaluated under a separate classification, distinct from this carpentry code.
Last reviewed · Reviewed by Provident Financial Group licensed agents