# 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 5645 — Carpentry - Detached Dwellings (FL)

**Class Code:** 5645  
**Description:** Carpentry - Detached Dwellings  
**State:** FL  
**Rate:** $7.69 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5645?

Class code 5645 covers carpentry work on detached single-family dwellings, including framing, rough carpentry, and general carpentry on standalone residential structures. This is one of the highest-rated carpentry codes due to the combination of fall hazards from residential roof framing, the use of nail guns and power saws, and the physical demands of residential framing work. In Florida, residential construction is a major industry, particularly in high-growth areas like Orlando, Tampa, and South Florida.

## Who Does Class Code 5645 Apply To?

Residential framers, rough carpenters, and carpentry helpers working on detached single-family homes.

## Florida Examples — Class Code 5645

A residential framing contractor in Fort Myers building the wooden skeletons for new single-family homes. A small carpentry business in Gainesville performing rough carpentry work on custom homes.

## How to Calculate Workers' Comp Premium for Class Code 5645

**Formula:** (Annual Payroll ÷ 100) × $7.69 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $6152 | $7690 | $9228 |
| $250,000 | $15380 | $19225 | $23070 |
| $500,000 | $30760 | $38450 | $46140 |
| $1,000,000 | $61520 | $76900 | $92280 |

## Tips for Managing Class Code 5645 Workers' Comp Costs

- Fall protection is required for residential roof framing — temporary guardrails or personal fall arrest systems
- Nail gun safety training reduces a very common source of puncture wound claims
- Separate finish carpentry under code 5437 for premium savings
- Separate commercial carpentry under code 5403

## Safety Recommendations for Class Code 5645

- 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 temporary guardrails.
- 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 5645

Contact Bright Coast Insurance for a workers' comp quote for class code 5645 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.*