Construction
Workers' Comp Class Code 5437: Carpentry — Cabinet Work or Interior Trim Installation
What it covers
Installation of cabinets, interior trim, doors and finish work. Notably cheaper than structural carpentry — finish carpenters coded 5645/5403 are commonly overcharged.
Illustrative rate range
$4.00 – $12.00 per $100 of payroll
National illustrative range — varies by state and carrier.
Worked example: on $50,000 of annual payroll, this code alone would cost roughly $2,000 to $6,000 a year.
Commonly confused with
Signs you may be misclassified
- Some of the actual work looks more like Carpentry — Detached One- or Two-Family Dwellings (code 5645) than Carpentry — Cabinet Work or Interior Trim Installation.
- Some of the actual work looks more like Cabinet Manufacturing — Wood (code 2812) than Carpentry — Cabinet Work or Interior Trim Installation.
- Nobody has re-checked this code since your job duties, work location, or equipment changed.
- The code on your policy is whatever your agent guessed at signup, not something based on actual duties.
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