# 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 5651 — Carpentry - Dwellings 3 Stories or Less (SC)

**Class Code:** 5651  
**Description:** Carpentry - Dwellings 3 Stories or Less  
**State:** SC  
**Rate:** $4.30 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5651?

Class code 5651 covers carpentry work on dwellings of three stories or less, including apartment buildings, condominiums, and townhouses. This code applies to multi-family residential construction, which is common in Florida's urban and suburban areas. Work involves framing, rough carpentry, and general carpentry on multi-family residential structures.

## Who Does Class Code 5651 Apply To?

Carpenters and framers working on multi-family residential buildings of three stories or less.

## Florida Examples — Class Code 5651

A multi-family residential framing company in Tampa constructing the wood frames for new apartment buildings and townhouses. A carpentry contractor in Orlando specializing in interior framing for condominium complexes.

## How to Calculate Workers' Comp Premium for Class Code 5651

**Formula:** (Annual Payroll ÷ 100) × $4.30 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3440 | $4300 | $5160 |
| $250,000 | $8600 | $10750 | $12900 |
| $500,000 | $17200 | $21500 | $25800 |
| $1,000,000 | $34400 | $43000 | $51600 |

## Tips for Managing Class Code 5651 Workers' Comp Costs

- Fall protection is required for work at heights on multi-family structures
- Nail gun safety training reduces puncture wound claims
- Separate finish carpentry under code 5437

## Safety Recommendations for Class Code 5651

- Enforce strict fall protection protocols for all elevated work, including guardrails and personal fall arrest systems.
- Provide thorough training on safe use of power tools, especially nail guns and saws.
- Ensure proper material handling techniques are used to prevent strains and dropped objects.
- Conduct regular site inspections to identify and mitigate hazards.

## Get a Quote for Class Code 5651

Contact Bright Coast Insurance for a workers' comp quote for class code 5651 in SC:

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



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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.*