# 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 3815 — Truck, Truck Trailer or Bus Mfg/Assembling; Truck Body Mfg (CA)

**Class Code:** 3815  
**Description:** Truck, Truck Trailer or Bus Mfg/Assembling; Truck Body Mfg  
**State:** CA  
**Rate:** $5.57 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3815?

Class code 3815 is a workers compensation classification used to categorize employees based on the nature of their work and associated injury risk. Each classification code carries a specific rate per $100 of payroll, which is used to calculate workers comp premiums. Contact Bright Coast Insurance for a detailed explanation of this code and how it applies to your business.

## Who Does Class Code 3815 Apply To?

Employees performing work covered by this classification code.

## How to Calculate Workers' Comp Premium for Class Code 3815

**Formula:** (Annual Payroll ÷ 100) × $5.57 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4455 | $5569 | $6683 |
| $250,000 | $11138 | $13923 | $16707 |
| $500,000 | $22276 | $27845 | $33414 |
| $1,000,000 | $44552 | $55690 | $66828 |

## Tips for Managing Class Code 3815 Workers' Comp Costs

- Contact Bright Coast Insurance for a detailed premium analysis for this code
- Proper classification is critical — misclassification can result in audit adjustments
- Safety programs and low claims history can reduce your Experience Modification Rate (EMR)

## Get a Quote for Class Code 3815

Contact Bright Coast Insurance for a workers' comp quote for class code 3815 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.*