# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 5403 — Carpentry NOC (FL)

**Class Code:** 5403  
**Description:** Carpentry NOC  
**State:** FL  
**Rate:** $4.36 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5403?

Class code 5403 covers general carpentry work not otherwise classified, including framing, rough carpentry, finish carpentry, and general woodworking on construction job sites. This is one of the most common construction classifications in Florida's active building market. Work involves framing walls and roofs, installing structural components, and performing general carpentry tasks. Hazards include falls from heights, nail gun injuries, saw injuries, and heavy lifting.

## Who Does Class Code 5403 Apply To?

Carpenters, carpenter helpers, framing crews, and general construction laborers performing carpentry work.

## Florida Examples — Class Code 5403

A general carpentry contractor in Jacksonville framing new residential homes and commercial buildings. A small woodworking shop in Gainesville performing rough and finish carpentry on various construction projects.

## How to Calculate Workers' Comp Premium for Class Code 5403

**Formula:** (Annual Payroll ÷ 100) × $4.36 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3488 | $4360 | $5232 |
| $250,000 | $8720 | $10900 | $13080 |
| $500,000 | $17440 | $21800 | $26160 |
| $1,000,000 | $34880 | $43600 | $52320 |

## Tips for Managing Class Code 5403 Workers' Comp Costs

- Fall protection is required for carpentry work at heights
- Nail gun safety training reduces a common source of puncture wound claims
- If work is exclusively on detached dwellings, code 5645 may apply
- Separate finish/interior trim work under code 5437 if performed by separate crews
- Maintain a written safety program to qualify for better rates

## Safety Recommendations for Class Code 5403

- Provide comprehensive training on safe operation of all power tools, including guards and proper PPE.
- Ensure fall protection is used for all work at heights, including stable ladders and scaffolding.
- Implement safe material handling practices to prevent strains and struck-by incidents.
- Maintain a clean and organized job site to prevent slips, trips, and falls.

## Get a Quote for Class Code 5403

Contact Bright Coast Insurance for a workers' comp quote for class code 5403 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*