# 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 2002 — Lumber Yard (FL)

**Class Code:** 2002  
**Description:** Lumber Yard  
**State:** FL  
**Rate:** $3.80 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 2002?

Class code 2002 covers lumber yard operations where lumber and building materials are stored, sorted, and sold. Work involves receiving, stacking, and loading lumber using forklifts and other material handling equipment. Hazards include forklift accidents, lumber falls, splinters, and heavy lifting injuries.

## Who Does Class Code 2002 Apply To?

Lumber yard workers, forklift operators, loaders, and yard supervisors.

## How to Calculate Workers' Comp Premium for Class Code 2002

**Formula:** (Annual Payroll ÷ 100) × $3.80 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3040 | $3800 | $4560 |
| $250,000 | $7600 | $9500 | $11400 |
| $500,000 | $15200 | $19000 | $22800 |
| $1,000,000 | $30400 | $38000 | $45600 |

## Tips for Managing Class Code 2002 Workers' Comp Costs

- Forklift operator training and certification is mandatory
- Lumber stacking procedures must address stability to prevent collapse
- Separate any retail counter or office staff under appropriate lower-rated codes

## Get a Quote for Class Code 2002

Contact Bright Coast Insurance for a workers' comp quote for class code 2002 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.*