Workers' Comp Rates for Carpentry - Finish Detached (Class Code 5436)
Description
Covers finish carpenters working on detached one- and two-family dwellings, including trim, molding, and door installation.
Common Businesses
Finish carpentry contractorsTrim installation companiesCustom millwork installersResidential finish carpenters
Hazard Group
D
National Avg Rate
$6.96
per $100 payroll
Most Expensive States
- New York$9.42
- Alaska$9.23
- California$8.78
Rates by State for Class Code 5436
47 jurisdictions rate this code per $100 of payroll. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $5.07 | -1.89 | 2026-01-01 |
| Texas | $5.13 | -1.83 | 2026-07-01 |
| Virginia | $5.40 | -1.56 | 2026-04-01 |
| Utah | $5.53 | -1.43 | 2026-02-01 |
| Arkansas | $5.72 | -1.24 | 2026-07-01 |
| Colorado | $5.79 | -1.17 | 2026-01-01 |
| Tennessee | $5.92 | -1.04 | 2026-03-01 |
| Arizona | $5.98 | -0.98 | 2026-01-01 |
| South Dakota | $6.05 | -0.91 | 2026-07-01 |
| Nebraska | $6.11 | -0.85 | 2026-02-01 |
| North Carolina | $6.11 | -0.85 | 2026-04-01 |
| Idaho | $6.18 | -0.78 | 2026-01-01 |
| Kansas | $6.24 | -0.72 | 2026-01-01 |
| Mississippi | $6.31 | -0.65 | 2026-03-01 |
| New Mexico | $6.37 | -0.59 | 2026-01-01 |
| South Carolina | $6.44 | -0.52 | 2025-04-01 |
| Kentucky | $6.50 | -0.46 | 2026-01-01 |
| Iowa | $6.63 | -0.33 | 2026-01-01 |
| Missouri | $6.70 | -0.26 | 2026-01-01 |
| Nevada | $6.76 | -0.20 | 2026-03-01 |
| Georgia | $6.83 | -0.13 | 2026-03-01 |
| Maryland | $6.83 | -0.13 | 2026-01-01 |
| Oregon | $6.89 | -0.07 | 2026-01-01 |
| West Virginia | $6.96 | +0.00 | 2026-01-01 |
| Alabama | $7.02 | +0.06 | 2026-03-01 |
| Minnesota | $7.02 | +0.06 | 2026-01-01 |
| New Hampshire | $7.02 | +0.06 | 2026-01-01 |
| Delaware | $7.15 | +0.19 | 2025-12-01 |
| Maine | $7.15 | +0.19 | 2025-04-01 |
| Wisconsin | $7.15 | +0.19 | 2025-10-01 |
| Michigan | $7.28 | +0.32 | 2026-01-01 |
| Vermont | $7.28 | +0.32 | 2026-04-01 |
| Rhode Island | $7.41 | +0.45 | 2026-08-01 |
| Florida | $7.48 | +0.52 | 2026-01-01 |
| Montana | $7.48 | +0.52 | 2026-07-01 |
| District of Columbia | $7.67 | +0.71 | 2026-01-01 |
| Massachusetts | $7.67 | +0.71 | 2024-07-01 |
| Oklahoma | $7.67 | +0.71 | 2026-01-01 |
| Illinois | $7.80 | +0.84 | 2026-01-01 |
| Connecticut | $7.93 | +0.97 | 2026-01-01 |
| Louisiana | $8.13 | +1.17 | 2026-05-01 |
| Hawaii | $8.32 | +1.36 | 2026-01-01 |
| Pennsylvania | $8.32 | +1.36 | 2026-04-01 |
| New Jersey | $8.45 | +1.49 | 2026-01-01 |
| California | $8.78 | +1.82 | 2025-09-01 |
| Alaska | $9.23 | +2.27 | 2026-01-01 |
| New York | $9.42 | +2.46 | 2025-10-01 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 5436 with your own payroll and experience mod.
Related Class Codes
Frequently Asked Questions
- What is workers' comp class code 5436?
- Class code 5436 (Carpentry - Finish Detached) is an NCCI workers' compensation classification in the Construction industry group. Covers finish carpenters working on detached one- and two-family dwellings, including trim, molding, and door installation. Hazard group: D.
- How much is workers' comp insurance for class code 5436?
- The national average rate for class code 5436 is $6.96 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($5.07), Texas ($5.13), Virginia ($5.40). Most expensive: New York ($9.42), Alaska ($9.23), California ($8.78). Actual premium depends on your state, payroll, experience modifier, and carrier. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 5436?
- Class code 5436 typically applies to Finish carpentry contractors, Trim installation companies, Custom millwork installers, Residential finish carpenters.
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