# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 475-0361 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 0251 — Irrigation, Drainage or Reclamation Works (CA)

**Class Code:** 0251  
**Description:** Irrigation, Drainage or Reclamation Works  
**State:** CA  
**Rate:** $3.39 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0251?

Class code 0251 covers retail florist shops where employees arrange and sell cut flowers, plants, and floral products. This is a relatively low-risk retail classification. Work involves flower arranging, customer service, and light delivery. It is distinct from florist farming (code 0035), which covers growing operations.

## Who Does Class Code 0251 Apply To?

Florists, floral designers, counter sales staff, and delivery drivers who deliver arrangements.

## Florida Examples — Class Code 0251

A small retail florist shop in downtown Naples, Florida, with 3 employees creating and delivering floral arrangements. A larger florist business in Tampa with 8 employees, including designers and delivery drivers, serving weddings and events.

## How to Calculate Workers' Comp Premium for Class Code 0251

**Formula:** (Annual Payroll ÷ 100) × $3.39 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2709 | $3386 | $4063 |
| $250,000 | $6772 | $8465 | $10158 |
| $500,000 | $13544 | $16930 | $20316 |
| $1,000,000 | $27088 | $33860 | $40632 |

## Tips for Managing Class Code 0251 Workers' Comp Costs

- Separate delivery drivers under a driving code if they drive regularly
- This is a low-rate code — ensure all shop employees are properly classified here rather than under a higher-rated code

## Safety Recommendations for Class Code 0251

- Provide training on the safe use of floral tools and ensure employees wear appropriate gloves.
- Maintain clean and dry work areas, especially around sinks and coolers, to prevent slips.
- Encourage proper lifting techniques and provide carts or dollies for transporting heavy items.
- Ensure delivery drivers follow safe driving practices and vehicles are well-maintained.

## Get a Quote for Class Code 0251

Contact Bright Coast Insurance for a workers' comp quote for class code 0251 in CA:

- **Phone:** (239) 475-0361
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/ca](https://brightcoastins.com/workers-comp-codes/ca)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L103957) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 475-0361 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*