# 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 0035 — Farm - Florist & Drivers (FL)

**Class Code:** 0035  
**Description:** Farm - Florist & Drivers  
**State:** FL  
**Rate:** $2.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0035?

Class code 0035 covers florist farming operations — the growing of cut flowers, potted plants, and floral crops for commercial sale. This is distinct from retail florist operations (code 0251). Work includes greenhouse cultivation, field growing, harvesting, and packing of floral products. Florida's warm climate supports a significant cut flower industry, particularly in South Florida.

## Who Does Class Code 0035 Apply To?

Greenhouse workers, field flower growers, harvest workers, packing employees, and drivers who transport floral products to market.

## Florida Examples — Class Code 0035

A commercial cut flower farm in Apopka, Florida, employing 12 people to grow and harvest various floral crops for wholesale. A greenhouse operation in South Florida with 7 employees specializing in potted orchids for retail sale.

## How to Calculate Workers' Comp Premium for Class Code 0035

**Formula:** (Annual Payroll ÷ 100) × $2.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1680 | $2100 | $2520 |
| $250,000 | $4200 | $5250 | $6300 |
| $500,000 | $8400 | $10500 | $12600 |
| $1,000,000 | $16800 | $21000 | $25200 |

## Tips for Managing Class Code 0035 Workers' Comp Costs

- Separate retail store employees under code 0251 for significant premium savings
- Greenhouse work involves chemical and pesticide exposure — maintain SDS records
- Ergonomic programs reduce repetitive motion claims common in floral harvesting

## Safety Recommendations for Class Code 0035

- Provide appropriate training on the safe use of cutting tools and ensure employees wear protective gloves.
- Implement a clear labeling system for all chemicals and provide proper PPE for handling them.
- Encourage ergonomic practices and provide assistance for lifting heavy loads to prevent back injuries.
- Ensure good ventilation in greenhouses to reduce exposure to chemical fumes.

## Get a Quote for Class Code 0035

Contact Bright Coast Insurance for a workers' comp quote for class code 0035 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.*