Workers comp forconstruction contractors.
GCs, framers, concrete crews, demo teams, excavation — if you're running a crew on a residential or commercial build, you're in this bucket. Class code 5645 covers general carpentry; specialty work sometimes gets its own code.
Framer · Residential · Documentary
- Real AgentNo Call Center
- Trade-FirstClass Codes Down to the Digit
- Full BookComp + Commercial
- Right CarrierMatched to Your Trade
What we see on claims
- —Falls from elevation (scaffolds, ladders, rooflines)
- —Struck-by injuries from tools or materials
- —Cuts and lacerations from saws and hand tools
- —Back strains from lifting and framing work
- —Nail-gun punctures and eye injuries
What drives your rate
Construction is one of the higher-risk trade classifications — your base rate reflects that. But experience mod matters enormously here: a crew with a clean 3-year claims history can pay less than half what a rough mod pays on the same payroll. If you've got a real safety program and we can show it to the carrier, we can find you better pricing.
Which one's you?
GC running a residential remodel business
4–10 employees, mixed trade work, lots of subcontractor management. Needs comp on payrolled employees, often also needs certs from subs.
Framer doing commercial light-steel
A 15-person crew running two jobsites. Class codes split between 5645 and 5606 for supervisor roles. Experience mod is critical at this size.
Solo concrete contractor
Owner plus 3 helpers. Crew size triggers coverage requirements in most states; insurance cert requested on every commercial bid.
Construction-specific questions
5645 covers hands-on construction/carpentry labor. 5606 covers contractor executive supervisor — the owner/PM role where you're managing rather than swinging a hammer. Splitting payroll correctly between these codes can save significant premium.
In most states, owners of sole props, partnerships, and LLCs can elect out of coverage on themselves. Corporate officers have different rules. Tell us your state and your structure and we'll explain what applies.
The carrier reviews your actual payroll at policy end vs. estimated. If you underestimated, you owe the difference. If you overestimated, you get a refund. We help you file honest estimates so audit surprises don't happen.
Figures on this page are illustrative. Your premium depends on your state, class codes, payroll, experience modifier, and carrier. Nothing here is a quote or a promise of rate.