# 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 5437 — Carpentry - Install Cabinet Work/Interior Trim (NC)

**Class Code:** 5437  
**Description:** Carpentry - Install Cabinet Work/Interior Trim  
**State:** NC  
**Rate:** $3.60 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5437?

Class code 5437 covers carpentry work involving the installation of cabinet work and interior trim, including kitchen cabinets, bathroom vanities, crown molding, baseboards, door casings, and similar finish carpentry. This is a lower-risk carpentry code than general framing because finish carpentry involves less heavy lifting and reduced fall exposure. In Florida, this classification is in high demand due to the active residential construction and remodeling market.

## Who Does Class Code 5437 Apply To?

Finish carpenters, cabinet installers, trim carpenters, and millwork installers.

## Florida Examples — Class Code 5437

A custom cabinet installation company in Naples installing high-end kitchen and bathroom cabinetry. A finish carpentry contractor in Orlando adding crown molding, baseboards, and interior trim to new commercial spaces.

## How to Calculate Workers' Comp Premium for Class Code 5437

**Formula:** (Annual Payroll ÷ 100) × $3.60 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2880 | $3600 | $4320 |
| $250,000 | $7200 | $9000 | $10800 |
| $500,000 | $14400 | $18000 | $21600 |
| $1,000,000 | $28800 | $36000 | $43200 |

## Tips for Managing Class Code 5437 Workers' Comp Costs

- Separate rough framing work under code 5403 or 5645 — finish carpentry has a lower rate
- Nail gun safety training reduces puncture wound claims
- Ensure workers classified here do not perform structural framing work

## Safety Recommendations for Class Code 5437

- Ensure all power tools have appropriate guards and workers use eye and hearing protection.
- Train employees on ergonomic lifting techniques for cabinets and trim materials.
- Provide stable step ladders and ensure they are used correctly.
- Implement dust control measures and provide respirators for dusty tasks.

## Get a Quote for Class Code 5437

Contact Bright Coast Insurance for a workers' comp quote for class code 5437 in NC:

- **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/nc](https://brightcoastins.com/workers-comp-codes/nc)



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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.*