# 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 0037 — Farm - Field Crops & Drivers (FL)

**Class Code:** 0037  
**Description:** Farm - Field Crops & Drivers  
**State:** FL  
**Rate:** $3.90 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0037?

Class code 0037 covers field crop farming operations, including grain, cotton, soybeans, hay, and other row crops. Work involves operating heavy farm machinery such as tractors, combines, and planters, as well as manual labor for planting, irrigation, and harvesting. This is a moderate-to-high risk agricultural code due to the dangers associated with large farm equipment operation.

## Who Does Class Code 0037 Apply To?

Field crop workers, tractor operators, combine operators, irrigation workers, and drivers who haul crops.

## Florida Examples — Class Code 0037

A large-scale corn and soybean farm in North Central Florida with 10 employees operating heavy machinery for planting and harvesting. A smaller hay farming operation in Central Florida with 4 workers managing baling and field maintenance.

## How to Calculate Workers' Comp Premium for Class Code 0037

**Formula:** (Annual Payroll ÷ 100) × $3.90 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3120 | $3900 | $4680 |
| $250,000 | $7800 | $9750 | $11700 |
| $500,000 | $15600 | $19500 | $23400 |
| $1,000,000 | $31200 | $39000 | $46800 |

## Tips for Managing Class Code 0037 Workers' Comp Costs

- Equipment rollover protection (ROPS) on tractors is essential for safety and claim prevention
- Separate seasonal and permanent employees carefully for accurate payroll reporting
- Pay-as-you-go workers comp aligns premium payments with seasonal payroll cycles

## Safety Recommendations for Class Code 0037

- Ensure all tractors and heavy machinery are equipped with Roll-Over Protective Structures (ROPS) and seatbelts.
- Provide comprehensive training on safe operation and maintenance of all farm equipment.
- Mandate the use of respiratory protection (e.g., dust masks) and hearing protection in noisy environments.
- Implement a lockout/tagout program for equipment maintenance to prevent accidental startups.

## Get a Quote for Class Code 0037

Contact Bright Coast Insurance for a workers' comp quote for class code 0037 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.*