# 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 0400 — Cotton Gin (FL)

**Class Code:** 0400  
**Description:** Cotton Gin  
**State:** FL  
**Rate:** $3.20 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0400?

Class code 0400 covers cotton gin operations, where raw cotton is mechanically separated from its seeds and cleaned for processing. Workers operate and maintain large mechanical gin equipment, handle raw cotton, and manage the resulting seed and fiber products. Risks include entanglement in machinery, dust inhalation, and fire hazards from cotton fiber.

## Who Does Class Code 0400 Apply To?

Gin operators, machinery maintenance workers, cotton handlers, and drivers.

## Florida Examples — Class Code 0400

A cotton ginning facility in North Florida with 10 seasonal employees processing raw cotton after harvest. A smaller, family-owned gin in the Panhandle with 5 workers operating and maintaining the ginning machinery.

## How to Calculate Workers' Comp Premium for Class Code 0400

**Formula:** (Annual Payroll ÷ 100) × $3.20 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2560 | $3200 | $3840 |
| $250,000 | $6400 | $8000 | $9600 |
| $500,000 | $12800 | $16000 | $19200 |
| $1,000,000 | $25600 | $32000 | $38400 |

## Tips for Managing Class Code 0400 Workers' Comp Costs

- Lockout/tagout procedures are critical for machinery maintenance
- Cotton dust is a respiratory hazard — implement a dust control program

## Safety Recommendations for Class Code 0400

- Implement strict lockout/tagout procedures for all machinery during maintenance and clearing jams.
- Ensure all moving parts of machinery are properly guarded to prevent entanglement.
- Mandate the use of respiratory protection (e.g., N95 masks) and hearing protection in all operational areas.
- Provide comprehensive training on safe machinery operation and emergency stop procedures.

## Get a Quote for Class Code 0400

Contact Bright Coast Insurance for a workers' comp quote for class code 0400 in FL:

- **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/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 #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.*