# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | 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 0016 — Farm - Orchard or Grove & Drivers (FL)

**Class Code:** 0016  
**Description:** Farm - Orchard or Grove & Drivers  
**State:** FL  
**Rate:** $4.20 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0016?

Class code 0016 covers orchard and grove operations, including citrus groves, avocado orchards, mango farms, and other tree fruit operations. Work involves planting, pruning, spraying, harvesting, and hauling fruit. Florida's citrus industry, centered in the Indian River region and Central Florida, relies heavily on this classification. Workers face elevated risks from ladder use during harvesting, chemical spray exposure, and equipment operation.

## Who Does Class Code 0016 Apply To?

Grove workers, citrus pickers, orchard laborers, spray applicators, and drivers who haul fruit to packing houses.

## Florida Examples — Class Code 0016

A 25-acre citrus grove in Polk County, Florida, employing 10 workers for harvesting and maintenance. A family-run avocado orchard in Miami-Dade County with 5 employees managing pruning and picking operations.

## How to Calculate Workers' Comp Premium for Class Code 0016

**Formula:** (Annual Payroll ÷ 100) × $4.20 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3360 | $4200 | $5040 |
| $250,000 | $8400 | $10500 | $12600 |
| $500,000 | $16800 | $21000 | $25200 |
| $1,000,000 | $33600 | $42000 | $50400 |

## Tips for Managing Class Code 0016 Workers' Comp Costs

- Ladder safety training is critical for harvest workers — document all training
- Separate packing house employees under a different classification if applicable
- Seasonal payroll fluctuations make pay-as-you-go policies ideal for this code
- Pesticide applicator licensing and safety records can support lower EMR

## Safety Recommendations for Class Code 0016

- Provide sturdy, well-maintained ladders and ensure proper ladder safety training for all employees.
- Mandate the use of appropriate PPE, including gloves, long-sleeved shirts, and eye protection, to prevent cuts and punctures.
- Implement a pest control program and educate workers on identifying and avoiding hazardous insects.
- Ensure proper training on the safe operation and maintenance of all orchard equipment.

## Get a Quote for Class Code 0016

Contact Bright Coast Insurance for a workers' comp quote for class code 0016 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) 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) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

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