# 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 2835 — Funeral Home (FL)

**Class Code:** 2835  
**Description:** Funeral Home  
**State:** FL  
**Rate:** $1.96 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 2835?

Class code 2835 covers funeral home operations, including the preparation of deceased persons for burial, funeral services, and cemetery operations. Work involves embalming, cosmetology, casket handling, and conducting funeral services. Hazards include chemical exposure from embalming fluids (formaldehyde), bloodborne pathogen exposure, and heavy lifting when handling caskets and bodies.

## Who Does Class Code 2835 Apply To?

Funeral directors, embalmers, funeral home staff, and drivers who operate hearses.

## Florida Examples — Class Code 2835

This class code applies to independent funeral homes, such as 'Johnson & Sons Funeral Home' in Orlando, which might employ 5-10 staff members for embalming, funeral arrangements, and hearse operations. It also covers larger operations like 'Evergreen Cemetery & Funeral Chapel' in Jacksonville, offering comprehensive funeral and cemetery services with a staff of 20 or more.

## How to Calculate Workers' Comp Premium for Class Code 2835

**Formula:** (Annual Payroll ÷ 100) × $1.96 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1571 | $1964 | $2357 |
| $250,000 | $3928 | $4910 | $5892 |
| $500,000 | $7856 | $9820 | $11784 |
| $1,000,000 | $15712 | $19640 | $23568 |

## Tips for Managing Class Code 2835 Workers' Comp Costs

- Formaldehyde exposure monitoring is required under OSHA standards
- Bloodborne pathogen training and PPE are mandatory for embalming staff
- Separate embalming staff under code 2836 if applicable

## Safety Recommendations for Class Code 2835

- Implement proper lifting techniques and provide mechanical aids for moving caskets and deceased persons to prevent back and shoulder injuries.
- Ensure adequate ventilation and provide personal protective equipment (PPE), including gloves and respirators, when handling embalming chemicals to mitigate exposure risks.
- Maintain clean, dry floors in all areas and provide slip-resistant footwear to reduce the risk of falls, especially in chapels and preparation rooms.
- Train drivers on safe vehicle operation, particularly for hearses, and ensure regular maintenance to prevent accidents during transport.

## Get a Quote for Class Code 2835

Contact Bright Coast Insurance for a workers' comp quote for class code 2835 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.*