# 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 8304 — Grain Elevators or Storage Warehouses (CA)

**Class Code:** 8304  
**Description:** Grain Elevators or Storage Warehouses  
**State:** CA  
**Rate:** $7.35 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8304?

Class code 8304 covers grain elevator operations, including the receiving, storing, drying, and shipping of grain at commercial grain elevators. Work involves operating bucket elevators, conveyors, and grain handling equipment. Hazards include grain bin engulfment (a leading cause of fatalities in agriculture), combustible grain dust explosions, and falls from elevator structures.

## Who Does Class Code 8304 Apply To?

Grain elevator operators, samplers, and maintenance workers.

## Florida Examples — Class Code 8304

For class code 8304, real-world examples include: A large grain elevator in the Florida Panhandle receiving, drying, and storing corn and soybeans. A smaller grain facility in Central Florida serving local agricultural producers.

## How to Calculate Workers' Comp Premium for Class Code 8304

**Formula:** (Annual Payroll ÷ 100) × $7.35 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $5878 | $7348 | $8818 |
| $250,000 | $14696 | $18370 | $22044 |
| $500,000 | $29392 | $36740 | $44088 |
| $1,000,000 | $58784 | $73480 | $88176 |

## Tips for Managing Class Code 8304 Workers' Comp Costs

- Grain bin entry is one of the most dangerous operations — confined space procedures are mandatory
- Combustible dust programs are required under OSHA standards
- Fall protection is required for work on elevator structures

## Safety Recommendations for Class Code 8304

- Ensure fall protection systems are in place and regularly inspected for work at heights in grain elevators.
- Implement dust control measures and provide respirators to prevent inhalation issues.
- Provide comprehensive training on safe operation of grain handling machinery and lockout/tagout procedures.
- Conduct regular atmospheric testing for hazardous gases in confined spaces.

## Get a Quote for Class Code 8304

Contact Bright Coast Insurance for a workers' comp quote for class code 8304 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.*