# 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 2802 — Carpentry - Shop Only (FL)

**Class Code:** 2802  
**Description:** Carpentry - Shop Only  
**State:** FL  
**Rate:** $3.38 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 2802?

Class code 2802 covers carpentry work performed exclusively in a shop setting, as opposed to on a construction job site. This includes the fabrication of custom woodwork, millwork, and furniture in a controlled shop environment. The rate is lower than field carpentry codes because shop work eliminates the fall and weather hazards of job site work.

## Who Does Class Code 2802 Apply To?

Shop carpenters, custom woodworkers, and millwork fabricators who work exclusively in a shop.

## Florida Examples — Class Code 2802

This class code applies to businesses like 'Custom Cabinets by Design,' a 5-person shop in Orlando that fabricates bespoke kitchen and bathroom cabinetry, or 'Florida Fine Millwork,' a larger 15-person operation in Jacksonville that produces custom architectural trim and moldings for commercial projects.

## How to Calculate Workers' Comp Premium for Class Code 2802

**Formula:** (Annual Payroll ÷ 100) × $3.38 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2706 | $3382 | $4058 |
| $250,000 | $6764 | $8455 | $10146 |
| $500,000 | $13528 | $16910 | $20292 |
| $1,000,000 | $27056 | $33820 | $40584 |

## Tips for Managing Class Code 2802 Workers' Comp Costs

- Ensure workers classified here do not perform any job site installation work
- Machine guarding on all woodworking equipment is the primary safety priority
- Wood dust control is important for both respiratory health and fire prevention

## Safety Recommendations for Class Code 2802

- Ensure all woodworking machinery has appropriate and well-maintained safety guards in place and that employees are trained on their proper use.
- Implement a comprehensive lockout/tagout program for equipment maintenance and repairs to prevent accidental startups.
- Provide and enforce the use of personal protective equipment (PPE) including safety glasses, hearing protection, and cut-resistant gloves.
- Train employees on proper lifting techniques and provide mechanical aids for handling heavy materials to prevent back injuries.

## Get a Quote for Class Code 2802

Contact Bright Coast Insurance for a workers' comp quote for class code 2802 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.*