A key component of audit processing is classification of the risk.  Classification changes at audit can impact the final premium and your agency’s profitability.   To assist you, we have provided these helpful tools to assigning classification.

Key points when code 5437 Carpentry – Interior would apply:

1.    Installation of cabinetry work, interior trim, and interior doors.

2.    Wood floor installation, sanding/scraping wood floors.

3.    Interior wood stairs and paneling.

4.    Weather stripping installation.

5.    Only the above duties can be performed by the insured.

 

Key points when code 5437  Carpentry – Interior would not apply:

1.    If the insured is engaged in any other carpentry/construction duties other than interior carpentry, then the applicable class code(s) would apply.

2.    If temporary labor is utilized in any other carpentry/construction duties other than interior carpentry, then the applicable code(s) would apply.

3.    Woodworking shop exposures are separately classed.

Key points when code 5645 Carpentry – Detached would apply:

1.    Rough framing, roof shingling, sidewall sheathing, finished flooring, wallboard installation, cabinet installation, and finished interior wood trim when completed by contractor or uninsured temporary labor.

2.    Constructing garages in connection with homes/dwellings. 

3.    The construction of one or two family homes. 

4.    Installation of windows, doors and decks.

Key points when code 5645 Carpentry – Detached would not apply:

1.    Construction work on any home over 3-stories in height.

2.    Construction work on commercial/industrial sites.

Summary of Duties per Class Code

Code	Duties
5645	Rough framing	Remodel of homes	Exterior stairs	Exterior windows	Drywall	Additions	Exterior doors	Roofing	Overall home const
5437	Trim carpentry	Wood floors	Interior wood stairs	Weather stripping	Paneling	Interior cabinetry	Interior doors	No other const. allowed

 

It is the job duties performed by the individual that determines classification and not the job title.  For additional clarification, contact our Audit Team at extension 2586 or your Underwriter.