Construction

Workers' Comp Class Code 5645: Carpentry — Detached One- or Two-Family Dwellings

What it covers

Residential carpentry on detached one- or two-family homes. Distinct from commercial/other carpentry (5403) and from interior trim work (5437) — assignment among the carpentry codes is a top audit dispute area.

Illustrative rate range

$8.00 – $25.00 per $100 of payroll

National illustrative range — varies by state and carrier.

Worked example: on $50,000 of annual payroll, this code alone would cost roughly $4,000 to $12,500 a year.

Commonly confused with

Signs you may be misclassified

Some of the actual work looks more like Contractor — Executive Supervisor / Project Manager (code 5606) than Carpentry — Detached One- or Two-Family Dwellings.
Some of the actual work looks more like Carpentry NOC (code 5403) than Carpentry — Detached One- or Two-Family Dwellings.
Some of the actual work looks more like Carpentry — Cabinet Work or Interior Trim Installation (code 5437) than Carpentry — Detached One- or Two-Family Dwellings.
Some of the actual work looks more like Cabinet Manufacturing — Wood (code 2812) than Carpentry — Detached One- or Two-Family Dwellings.
Nobody has re-checked this code since your job duties, work location, or equipment changed.
The code on your policy is whatever your agent guessed at signup, not something based on actual duties.

Think code 5645 might be wrong for one of your employees?

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