What 5645 covers
- Carpentry in building homes: framing, trusses, siding, interior trim, doors, windows, stairs, and similar work.
- Carpentry repair and remodeling of residential dwellings within the height or dwelling-type limit, in states whose descriptions include it. Wisconsin's description addresses construction, and lists cabinet installation, fencing, decking, detached structures, and interior wood trim.
- In North Carolina's description, all types of siding installation.
What doesn't belong in 5645
- Residential buildings above the limit: over three stories in North Carolina and Wisconsin.
- Commercial buildings and general carpentry not otherwise classified, which fall under 5403.
- Specialty trade work performed as a separate operation, which is classified under that trade's own code.
Official titles by state
Each rating bureau publishes its own definition. Titles below are quoted exactly as the bureau publishes them; follow the link for the full official description.
| State | Official title for 5645 | Source |
|---|---|---|
| North Carolina | CARPENTRY-CONSTRUCTION OF RESIDENTIAL DWELLINGS NOT EXCEEDING THREE STORIES IN HEIGHT | North Carolina bureau lookup |
| Wisconsin | CARPENTRY-CONSTRUCTION OF RESIDENTIAL DWELLINGS NOT EXCEEDING THREE STORIES IN HEIGHT | Wisconsin bureau: 5645 |
| New YorkDifferent meaning | Carpentry – Detached One or Two-Family Dwellings – All Operations to Completion | New York bureau: 5645 |
New York narrows 5645 to detached one- or two-family dwellings and uses a separate code, 5651, for carpentry on dwellings three stories or less. The same townhouse job can land in different codes depending on the state.
Codes 5645 is often confused with
What a premium audit looks at
- The number of stories and type of each building worked on, from permits and job files.
- Whether jobs were residential or commercial.
- Subcontractor certificates of insurance for work the contractor didn't perform itself.
Frequently asked questions
What's the difference between class codes 5645 and 5403?
5645 is residential carpentry within a height or dwelling-type limit. 5403 is carpentry not otherwise classified, which picks up commercial work and residential buildings above that limit.
Does 5645 cover remodeling?
It depends on the state's description. Some include repair and remodeling of qualifying residential dwellings (New York excludes roofing from its 5645 repair work), while Wisconsin's description addresses construction of residential dwellings. Check the manual for your state.
Check the official manuals
- NCCI Class Look-Up The official tool for the states where NCCI administers the classification system.
- WCIRB California Classification Search California runs its own classification system; its code numbers don't map one-to-one to NCCI's.
- NYCIRB Classification Digest New York's official classification descriptions.
- WCRB Wisconsin Class Code Lookup Wisconsin's official classification descriptions.
- NCRB North Carolina Class Code Lookup North Carolina's official classification descriptions.
Rates aren't listed here on purpose. Class code rates and loss costs change by state, by carrier, and every year, so check the current figures with NCCI's Class Look-Up or your state's rating bureau (linked above), and with your own carrier for the rate on your policy.
Related terms
General information, not a classification ruling. Summaries on this page are written in plain English from the bureaus' published descriptions; the classification manual for the state where the work was performed governs, and the carrier and rating bureau determine the classification for any policy.
For carriers: Compliant Risk Solutions performs virtual workers' compensation premium audits nationwide. See our audit services