Framing contractors face high workers' comp rates in Florida. Here's how to compare carriers, understand class code 5645, and find the best coverage for your framing business.
Framing Workers Comp in Florida: Class Code 5645
Residential framing in Florida is classified under NCCI code 5645 (Carpentry — residential), which covers wood frame construction of residential structures. The base rate for code 5645 in Florida is $7.69 per $100 of payroll, reflecting the fall risk, nail gun injuries, and musculoskeletal exposure associated with framing work. Commercial framing may be classified under 5403 (Carpentry — not otherwise classified) depending on the carrier and the nature of the work.
Framing is one of the higher-rated trades in Florida's workers' comp system, and the market for framing workers' comp is somewhat limited compared to lower-risk trades. Framers with clean loss histories and established payroll have access to standard admitted carriers, while those with prior claims or high EMRs may need to access surplus lines markets.
What to Look for in a Framing Workers Comp Policy
For framing contractors, the most important policy features are: coverage for fall injuries (the most common and most expensive framing claim), coverage for nail gun injuries, and a carrier with experience handling construction claims in Florida. Fall injuries from scaffolding, ladders, and open floor systems can result in severe injuries with long recovery times and significant indemnity costs. A carrier with strong claims management capabilities and access to specialized orthopedic and rehabilitation providers can make a meaningful difference in claim outcomes and ultimate cost.
Frequently Asked Questions
What is the workers comp class code for framers in Florida?+−
Residential framers in Florida are typically classified under code 5645 (Carpentry — residential). Commercial framing may fall under 5403. The correct code depends on the type of structures being framed and the carrier's classification guidelines.
How much does workers comp cost for a framing contractor in Florida?+−
Florida workers' comp rates for framers under code 5645 are $7.69 per $100 of payroll. On $300,000 in annual payroll, that's $23,070 in base premium before experience modification and schedule credits.
Published by Precision Underwriters Inc. dba Bright Coast Insurance — Licensed Florida Insurance Agency, License #L103957. This content was researched and written with AI assistance and reviewed by a licensed insurance professional. The information is general in nature and does not constitute insurance advice for your specific situation.