Class Code 5645

Workers Comp (NCCI)

Carpentry — Detached One- or Two-Family Dwellings

The residential carpentry workhorse: framing and carpentry on detached one- and two-family homes not more than three stories. New-home framers, residential remodelers, and deck builders commonly land here. Rates run high because falls from height are the defining exposure.

🎓 Agent note The one/two-family + ≤3 stories limits matter — multifamily or commercial framing belongs in 5403, and misclassification here is a classic audit hit.

Operations commonly included

Framing detached one- and two-family homes ≤3 stories
Residential remodels and additions
Deck construction on qualifying dwellings
Sheathing and exterior trim by the framing crew

Commonly classified elsewhere

Multifamily or commercial framing (5403)
Cabinet/interior trim only (5437)
Roofing work (5551) even when the framer does it
Shop fabrication (shop carpentry codes)

Real-world example

A framing sub building single-family houses in a subdivision is 5645. The same crew framing a 4-story apartment building moves to 5403 for that job’s payroll — job-cost records make the split stick.

⚠️ Common audit mistake No job records proving the detached ≤3-story limits — everything gets bumped to 5403 (or challenged upward). Keep addresses and payroll by project.

State variation: Some states merge residential/commercial carpentry or use different thresholds; independent-bureau states have their own carpentry code families.

Rated on: Gross payroll, per $100.

Trades that use this code

Related codes

Classification varies by state and carrier — several states use independent bureaus, and carriers file their own GL codes. Confirm your fit with a licensed agent before relying on any code. 🤝

Written by the We Insure Things team — licensed independent insurance agents. Last reviewed July 13, 2026. General references: NCCI · NAICS (Census) · your state insurance department. Codes summarized in plain English; official classification language controls.