Class Code: 5403

Per NCCI's Scopes Code Description:

Code 5403 covers general carpentry work not otherwise classified in the Basic Manual. Operations assigned to Code 5403 include, but are not limited to, the construction of wooden bridges and decks; the setup of wood silos, tanks, gazebos, pergolas, and trellises; the setup of wood or plastic playground equipment; and carpentry repair work involving termite control.

Code 5403 is also assigned to carpentry operations on commercial structures in connection with building raising or moving operations. When no separation of payroll exists, the payroll for the entire building raising or moving operation must be assigned to Code 5703 or the highest rated classification applicable, whichever is greater.

Special Conditions:

Extra-Territorial Classification Guidelines:

The following material was developed by NCCI to be used as a guide by auditors and underwriters in the determination of premium for contracting (construction employers) with extra-territorial employments where no company guidelines have been established for this purpose. Construction classifications are indicated by the addition of a construction code symbol (  ) next to the classification code number.

   
1.    Payroll of employees of contractors who have their place of business in a given state and operate also in adjoining states and who are constantly crossing state lines, but usually return to their homes each night, must be assigned to their headquarters’ state. Example: Contractors such as electricians, plumbers, carpet layers, etc.
2.    The payroll for construction project managers, executives, or superintendents who may visit a job but who are not in direct charge of a job must be assigned to the state in which their headquarters are located.
3.    There are contractors who maintain a permanent staff of employees and superintendents. If any of these employees or superintendents are assigned to a job that is located in a state other than their headquarters’ state, either for the duration of the job or any portion thereof, their payroll must be assigned to the highest rated of either the state in which the job is located or the headquarters’ state.
4.    The payroll of employees who are hired for a specific job project must be assigned to the state in which the job is located.

When a portion of the operations of a risk is insured in a monopolistic state fund, consider the special rules and requirements that may exist in such cases.

Related Operations Not Classified to Code 5403:

   
•    Refer to Code 2802 for carpentry shop operations.
•    Refer to Code 5645 for residential and dwellings (not exceeding three stories in height).
•    Refer to Code 5437 for interior trim carpentry operations.
•    Carpentry work that involves making or setting up or taking down forms in connection with concrete construction is assigned to the proper concrete construction code. This rule is applicable even when the forming contractor is a specialist not directly involved with actual concrete mixing or pouring.
•    Refer to Code 8742 for extra-territorial classification guidelines for noncontracting employers.
•    Refer to Code 6400 for the installation of wooden and metal clothes poles and mailbox posts.

Certain Code 5403 operations are designated as “not otherwise classified” (NOC). These NOC operations apply to an employer only when no other classification more specifically describes the employer’s operations. The following is a representative list of operations somewhat related in nature to Code 5403 operations that are not assigned to Code 5403.

2881 Furniture Manufacturing and Cabinet Shop—Assembly by Hand—Wood
5645 Carpentry—Construction of Residential Dwellings not Exceeding Three Stories in Height
5437 Carpentry—Installation of Cabinet Work or Interior Trim
2883 Furniture Manufacturing and Cabinet Shop—Wood—NOC

CROSS-REF.  CARPENTRY—CONSTRUCTION OF RESIDENTIAL DWELLINGS EXCEEDING THREE STORIES IN HEIGHT OR COMMERCIAL BUILDINGS AND STRUCTURES

(N/A FL, TX, VA)

Note:  Applies to the construction of multi-unit residential buildings exceeding three stories in height and to the construction of commercial buildings or structures, including mixed-use buildings, with no height restriction. Includes all carpentry work when performed by employees of the same carpentry contractor or general contractor responsible for the entire dwelling construction project. The construction of residential dwellings not exceeding three stories in height to be separately rated as Code 5645.

Description:

When all of the carpentry work in connection with the construction of residential dwellings exceeding three stories in height or commercial buildings and structures is performed by employees of the same carpentry contractor or general contractor responsible for the entire construction project, the work is assigned to Code 5403. This includes the construction of the sill, rough framework, rough floor, wood or light-gauge steel studs, wood or light-gauge steel joists, rafters, roof deck, all types of roofing materials, sidewall sheathing, siding, doors, wallboard installation, lathing, windows, stairs, finished flooring, cabinet installation, fencing, decking, detached structures, and all interior wood trim. Light-gauge steel framing is generally a thickness of 12 to 25 gauge.

The construction of mixed-use buildings is also assigned to Code 5403. These are defined as a combination of residential, commercial, industrial, or office use. Code 5403 is also assigned to the construction of multi-unit residential buildings exceeding three stories in height, such as apartments, condominiums, and town homes.

Carpentry repair and/or remodeling of commercial buildings and structures and dwellings that exceed three stories in height are also assigned to Code 5403. To qualify for Code 5403, carpentry repair or remodeling operations of an interior or exterior nature must take place along with some framing or structural carpentry renovation of the premises that would ordinarily be assigned to Code 5403. When these conditions occur, the insured employer is performing operations that are analogous to the construction of dwellings and/or commercial structures, and Code 5403 is assigned to all carpentry operations in connection with the repair or renovation project. Merely performing singular operations such as repairing or replacing cabinets or installing wallboard does not constitute work to be classified to Code 5403. These singular repair operations are assigned to the appropriate classifications representing their specific trades. However, when activities of this nature take place in connection with operations that involve some framing or structural renovation of the dwelling or commercial structure, Code 5403 must be assigned to these specialty operations.

CROSS-REF.  CONSTRUCTION—ELEVATOR OR HOD HOIST INSTALLATION, REPAIR, OR REMOVAL & DRIVERS—WOODEN BUILDINGS OR STRUCTURES INCLUDING THOSE DESIGNED FOR DWELLING OCCUPANCY

(N/A FL, MA, TX)

Description:

The following operations will be classified as:

5213 Construction—Elevator or Hod Hoist Installation, Repair, or Removal & Drivers—Concrete or Concrete-Encased Buildings or Structures
5057 Construction—Elevator or Hod Hoist Installation, Repair, or Removal & Drivers—Iron or Steel Buildings or Structures
5022 Construction—Elevator or Hod Hoist Installation, Repair, or Removal & Drivers—Masonry Buildings or Structures
6003 Construction—Elevator or Hod Hoist Installation, Repair, or Removal & Drivers—Piers or Wharves
5403  Construction—Elevator or Hod Hoist Installation, Repair, or Removal & Drivers—Wooden Buildings or Structures Including Those Designed for Dwelling Occupancy

CROSS-REF.  OIL RIG OR DERRICK ERECTING OR DISMANTLING—ALL OPERATIONS—WOOD

(N/A MA, TX)

Note:  Includes the construction of foundations or structures and the installation of equipment.

CROSS-REF.  SCAFFOLDING—SIDEWALK BRIDGES NOT OVER ONE STORY IN HEIGHT

(N/A TX)

Description:

The following describes scaffolding operations and their proper classification assignments:

5057 Concrete or Cement Distributing Towers—Installation, Repair or Removal
7228 Delivery of Materials Only—Local Hauling Only—No Installation, Repair or Removal
7229 Delivery of Materials Only—Long Distance Hauling—No Installation, Repair or Removal
9534 Outrigger Scaffold Installation, Repair or Removal
5057 Scaffold Installation, Repair or Removal—Built Up From the Ground—Not Suspended or Swinging Type
5403  Sidewalk Bridges Not Over One Story in Height
9534 Suspended or Swinging Scaffold Installation, Repair or Removal

CROSS-REF.  SIDING INSTALLATION—ALL TYPES—ALL OTHER BUILDINGS OR STRUCTURES—INCLUDING RESIDENTIAL DWELLINGS EXCEEDING THREE STORIES IN HEIGHT

(N/A FL, KY, TX)

Note:  Applies to specialist contractors installing all types of siding. Refer to Code 5645 for the installation of siding on residential dwellings not exceeding three stories in height. Sheet metal siding installed on the exterior of a steel frame structure is assigned to Code 5535.

Description:

Code 5403 is assigned to all types of siding (aluminum, cedar shingles, engineered or composite wood, seamless steel, vinyl, wood) installation provided that these operations are performed on residential dwellings exceeding three stories in height or commercial buildings and structures.

Related Operations Not Classified to Code 5403:

   
•    Refer to Code 5645 for siding installation performed on residential dwellings not exceeding three stories in height.

CROSS-REF.  SILO ERECTION—WOOD

(N/A TX)

CROSS-REF.  WRECKING—BUILDINGS OR STRUCTURES—NOT MARINE—ALL OPERATIONS—WOODEN BUILDINGS OR STRUCTURES INCLUDING THOSE DESIGNED FOR DWELLING OCCUPANCY

(N/A FL, MA, TX, WI)

Note:  Includes salespersons and clerical at wrecking site. Where wrecking or demolition involves building or structures of more than one type of construction, the highest rated classification applies.

Description:

Code 5403 further applies to the wrecking of wooden buildings or structures.

Rate per $100. of Renumeration: $ 4.54

Construction Exemption Required: Yes