Workers' comp class code · Construction & Trades

Class code 5645Carpentry — Dwellings

Framing, finish carpentry, and general woodwork on one- or two-family homes.

This code applies to carpentry crews who frame and finish one- or two-family dwellings, covering everything from laying out wall framing and setting trusses to hanging doors, trim, and stairs. The scope is defined by the type of building rather than the specific carpentry task, so both rough framing and finish carpentry on the same house fall under this classification. Crews often move from foundation-stage framing through to punch-list trim work over the life of a project.

Typical payroll includes lead carpenters, framers, and finish carpenters, along with laborers who handle material staging, cutting, and cleanup on the same crew. Because dwelling carpentry frequently overlaps with light general contracting duties on small residential jobs, workers who swing between framing and other hands-on trade tasks are usually kept under this code as long as the work stays on qualifying dwellings.

Falls from ladders, scaffolding, and unfinished floor and roof framing are the leading severity driver, since much of the work happens before railings, stairs, or permanent flooring are in place. Power tool use, particularly saws and nail guns, accounts for a steady stream of cuts and puncture injuries, and lifting lumber and trusses contributes to back and shoulder strain.

What code 5645 typically includes

  • Wall, floor, and roof framing on houses and duplexes
  • Truss setting and sheathing
  • Interior and exterior trim, door, and window installation
  • Stair and railing construction
  • Deck framing attached to qualifying dwellings

Codes this one gets confused with

5651Carpentry — Detached Dwellings

Some states use a narrower version of this code limited strictly to detached single- and two-family homes, excluding attached or multi-unit structures.

See code 5651

5403Carpentry — General/Commercial

Carpentry performed on commercial buildings, rather than residential dwellings, is rated under the general/commercial carpentry code instead.

See code 5403

5610Carpenter — Shop Only

Carpenters who fabricate millwork entirely inside a shop, with no on-site installation, carry a much lower exposure and a separate code.

See code 5610

What this code means for your premium

Dwelling carpentry falls in the moderate-to-elevated range for construction trades, reflecting frequent ladder and elevated framing work, though it typically prices lower than roofing or structural steel erection.

Estimate your premium

Classification is not final until a carrier assigns it. Code numbers, wording and exceptions vary by state and rating bureau — several states run their own bureaus. This page is general reference written in our own words; your carrier's underwriter assigns the code based on your actual operations and payroll records.

Questions about code 5645

Ready to see your options?

One application. Up to 10 competing quotes. Answer a few questions and we will shop your business to our A-rated carrier network, then a licensed agent walks you through the options.

Get an Instant Quote 1-866-964-6660

Mon – Fri, 8:00am – 6:00pm CT