Carpentry - Detached Dwellings
Illinois Workers' Compensation Class Code 5645 • NCCI • Effective 2025-01-01
Current Rate
$6.60
per $100 of payroll
NCCI 2025-01-01
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 is Covered Under This Code?
Residential framers, rough carpenters, and carpentry helpers working on detached single-family homes.
Tips to Reduce Your Premium
- 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
Rate Comparison by State
Frequently Asked Questions
What is workers comp 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.
What is the workers comp rate for class code 5645 in Illinois?
The current workers' compensation rate for class code 5645 in Illinois is $6.60 per $100 of payroll, as set by NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 5645?
Residential framers, rough carpenters, and carpentry helpers working on detached single-family homes.
How can I reduce my workers comp premium for class code 5645 in Illinois?
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
Do I need workers comp insurance for employees classified under code 5645 in Illinois?
Yes. Illinois requires most employers to carry workers' compensation insurance for their employees. Class code 5645 employees must be covered. Penalties for non-compliance in Illinois can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 228-8029 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 5645 in IL.
Quick Facts
- Class Code
- 5645
- State
- Illinois
- Rate per $100
- $6.60
- Rating Org
- NCCI
- Effective
- 2025-01-01
Related Class Codes
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