Workers' Comp Rates for Carpentry - Install Cabinets (Class Code 5404)
Description
Covers carpenters specializing in the installation of prefabricated cabinets, countertops, and built-in storage.
Common Businesses
Cabinet installersKitchen remodelersCountertop installersCloset system companies
Hazard Group
D
National Avg Rate
$7.50
per $100 payroll
Most Expensive States
- New York$10.15
- Alaska$9.94
- California$9.45
Rates by State for Class Code 5404
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 | $5.46 | -2.04 | 2026-01-01 |
| Texas | $5.52 | -1.98 | 2026-07-01 |
| Virginia | $5.81 | -1.69 | 2026-04-01 |
| Utah | $5.95 | -1.55 | 2026-02-01 |
| Arkansas | $6.16 | -1.34 | 2026-07-01 |
| Colorado | $6.23 | -1.27 | 2026-01-01 |
| Tennessee | $6.37 | -1.13 | 2026-03-01 |
| Arizona | $6.44 | -1.06 | 2026-01-01 |
| South Dakota | $6.51 | -0.99 | 2026-07-01 |
| Nebraska | $6.58 | -0.92 | 2026-02-01 |
| North Carolina | $6.58 | -0.92 | 2026-04-01 |
| Idaho | $6.65 | -0.85 | 2026-01-01 |
| Kansas | $6.72 | -0.78 | 2026-01-01 |
| Mississippi | $6.79 | -0.71 | 2026-03-01 |
| New Mexico | $6.86 | -0.64 | 2026-01-01 |
| South Carolina | $6.93 | -0.57 | 2025-04-01 |
| Kentucky | $7.00 | -0.50 | 2026-01-01 |
| Iowa | $7.14 | -0.36 | 2026-01-01 |
| Missouri | $7.21 | -0.29 | 2026-01-01 |
| Nevada | $7.28 | -0.22 | 2026-03-01 |
| Georgia | $7.35 | -0.15 | 2026-03-01 |
| Maryland | $7.35 | -0.15 | 2026-01-01 |
| Oregon | $7.42 | -0.08 | 2026-01-01 |
| West Virginia | $7.49 | -0.01 | 2026-01-01 |
| Alabama | $7.56 | +0.06 | 2026-03-01 |
| Minnesota | $7.56 | +0.06 | 2026-01-01 |
| New Hampshire | $7.56 | +0.06 | 2026-01-01 |
| Delaware | $7.70 | +0.20 | 2025-12-01 |
| Maine | $7.70 | +0.20 | 2025-04-01 |
| Wisconsin | $7.70 | +0.20 | 2025-10-01 |
| Michigan | $7.84 | +0.34 | 2026-01-01 |
| Vermont | $7.84 | +0.34 | 2026-04-01 |
| Rhode Island | $7.98 | +0.48 | 2026-08-01 |
| Florida | $8.05 | +0.55 | 2026-01-01 |
| Montana | $8.05 | +0.55 | 2026-07-01 |
| District of Columbia | $8.26 | +0.76 | 2026-01-01 |
| Massachusetts | $8.26 | +0.76 | 2024-07-01 |
| Oklahoma | $8.26 | +0.76 | 2026-01-01 |
| Illinois | $8.40 | +0.90 | 2026-01-01 |
| Connecticut | $8.54 | +1.04 | 2026-01-01 |
| Louisiana | $8.75 | +1.25 | 2026-05-01 |
| Hawaii | $8.96 | +1.46 | 2026-01-01 |
| Pennsylvania | $8.96 | +1.46 | 2026-04-01 |
| New Jersey | $9.10 | +1.60 | 2026-01-01 |
| California | $9.45 | +1.95 | 2025-09-01 |
| Alaska | $9.94 | +2.44 | 2026-01-01 |
| New York | $10.15 | +2.65 | 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 5404 with your own payroll and experience mod.
Related Class Codes
Frequently Asked Questions
- What is workers' comp class code 5404?
- Class code 5404 (Carpentry - Install Cabinets) is an NCCI workers' compensation classification in the Construction industry group. Covers carpenters specializing in the installation of prefabricated cabinets, countertops, and built-in storage. Hazard group: D.
- How much is workers' comp insurance for class code 5404?
- The national average rate for class code 5404 is $7.50 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($5.46), Texas ($5.52), Virginia ($5.81). Most expensive: New York ($10.15), Alaska ($9.94), California ($9.45). 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 5404?
- Class code 5404 typically applies to Cabinet installers, Kitchen remodelers, Countertop installers, Closet system companies.
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