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California Steel Framing Class Codes 5632 vs 5633 and the $46.00 Threshold
California light-gauge steel framing splits at $46.00 an hour from 9/1/2026, up from $41.00 — tied with carpentry for the largest jump of any trade. A framer at $43.00 was high-wage last year and is low-wage now, and 5632 costs 127% more than 5633. Break-even by mod and three carve-outs.
Evan Swan
Sep 75 min read
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Industries that are generally considered hard-to-write for workers' compensation insurance include: Construction, Manufacturing, Transportation, Logistics, Trucking, Healthcare, Agriculture, Asbestos Removal, Oil and Gas Drilling, Forestry, Logging, and Masonry. These industries have higher risks and potential for workplace injuries and claims.
Specialty workers' comp can be harder to place when you’re dealing with high-risk classes, tougher loss history, multi-state exposure, or lapsed coverage. That’s where CPR steps in. You get a fast, simple path to the right market for tough accounts in industries like construction, trucking, manufacturing, staffing, and restaurants.
Our strategies to lower Workers' Compensation costs include partnering with carriers who specialize in high-risk clients. By joining a Professional Employer Organization (PEO), you can pool employees for better rates. We also focus on strong risk management, improving claims processes, and optimizing your Experience Modification Factor (EMF) with advanced technology.
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