# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
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 0908 — Veterinarian - All Employees (FL)

**Class Code:** 0908  
**Description:** Veterinarian - All Employees  
**State:** FL  
**Rate:** $155.00 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0908?

Class code 0908 covers all employees of veterinary practices, including veterinarians, veterinary technicians, and support staff. Work involves examining, treating, and caring for animals of all types. Risks include animal bites and scratches, needle stick injuries, chemical exposure from anesthetics and medications, and zoonotic disease transmission. Despite working with animals, this is a relatively moderate-risk classification.

## Who Does Class Code 0908 Apply To?

Veterinarians, veterinary technicians, veterinary assistants, kennel workers, receptionists, and all other veterinary practice employees.

## Florida Examples — Class Code 0908

A busy veterinary clinic in downtown St. Petersburg, Florida, with 10 employees including veterinarians, vet techs, and receptionists. A large animal veterinary practice in rural Florida with 5 staff members providing care for livestock and horses.

## How to Calculate Workers' Comp Premium for Class Code 0908

**Formula:** (Annual Payroll ÷ 100) × $155.00 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $124000 | $155000 | $186000 |
| $250,000 | $310000 | $387500 | $465000 |
| $500,000 | $620000 | $775000 | $930000 |
| $1,000,000 | $1240000 | $1550000 | $1860000 |

## Tips for Managing Class Code 0908 Workers' Comp Costs

- Animal handling protocols and bite prevention training reduce the most common claims
- Needle stick prevention programs are important for veterinary staff
- Separate any outside drivers or delivery staff under appropriate codes

## Safety Recommendations for Class Code 0908

- Provide comprehensive training on safe animal handling and restraint techniques for various species.
- Ensure all employees wear appropriate PPE, including bite-resistant gloves and protective clothing.
- Implement ergonomic lifting techniques and provide assistance for handling large or aggressive animals.
- Establish strict protocols for infection control and vaccination against zoonotic diseases.

## Get a Quote for Class Code 0908

Contact Bright Coast Insurance for a workers' comp quote for class code 0908 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 #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) 323-0785 | 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.*