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Workers’ comp insurance cost for carpenters in Texas
Published 2026-06-11 · by Brokly
- 65% of TX carpentry contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Texas sits 45th of 51: WY pays more ($3.32), IN less ($2.32).
- Workers’ comp is one of several coverages — see everything your carpentry shop needs in Texas →
What do Texas carpentry contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of TX carpentry contractors
bar height = how many carpentry contractors are that size · figures = modeled annual cost
Cohort: size distribution of 1,423 TX carpentry contractors (Census CBP 2023); premiums modeled from one filed rate ($2.93/$100 payroll, 2024). Bands shown cover 1,421 of 1,423 establishments (99.9%) — 2 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Finish carpentry contractors (NAICS 238350)) (as of 2023, retrieved 2026-06-05) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)
How does Texas compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 5437 (Carpentry — Cabinet and Trim Work), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 41 | Utah | $3.27 |
| 42 | Nevada | $3.26 |
| 43 | Tennessee | $3.15 |
| 44 | Massachusetts | $3.07 |
| 45 | Texas | $2.93 |
| 46 | Arizona | $2.90 |
| 47 | North Dakota | $2.78 |
| 48 | Arkansas | $2.76 |
| 49 | Ohio | $2.41 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost carpentry contractors in Texas?
Modeled from the 2024 filed manual rate of $2.93 per $100 of payroll: a <5-employee carpentry shop lands around $1.5k–$5.8k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Finish carpentry work is NCCI class 5437 (Carpentry — Cabinet and Trim Work) — jobsite installation of cabinetry, interior trim, stairs, and millwork; framing and general carpentry (class 5403) and new-dwelling construction are rated separately.
Why do quotes for the same business differ so much between insurers?
Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.
Carpenters in nearby-ranked states: Arizona ($2.90) · Massachusetts ($3.07) · Tennessee ($3.15) · Utah ($3.27)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,423 Texas carpentry contractors; your premium depends on your payroll, claims history, and carrier.