# 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 2836 — Embalming (FL)

**Class Code:** 2836  
**Description:** Embalming  
**State:** FL  
**Rate:** $0.85 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 2836?

Class code 2836 covers embalming operations specifically, as distinct from general funeral home operations. Embalming involves the chemical preservation of human remains using formaldehyde-based solutions. This is a higher-risk classification than general funeral home work due to the significant chemical exposure involved.

## Who Does Class Code 2836 Apply To?

Licensed embalmers and embalming assistants.

## Florida Examples — Class Code 2836

This class code applies to specialized embalming services, often operating independently or as a dedicated department within larger funeral home chains across Florida. For instance, a standalone embalming facility in Orlando serving multiple funeral homes, or a dedicated embalming laboratory for a regional funeral service provider with several locations throughout South Florida, would fall under this classification.

## How to Calculate Workers' Comp Premium for Class Code 2836

**Formula:** (Annual Payroll ÷ 100) × $0.85 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $680 | $850 | $1020 |
| $250,000 | $1700 | $2125 | $2550 |
| $500,000 | $3400 | $4250 | $5100 |
| $1,000,000 | $6800 | $8500 | $10200 |

## Tips for Managing Class Code 2836 Workers' Comp Costs

- OSHA formaldehyde standard (29 CFR 1910.1048) compliance is mandatory
- Respiratory protection and chemical-resistant PPE are required
- Medical surveillance for formaldehyde-exposed workers is required by OSHA

## Safety Recommendations for Class Code 2836

- Ensure proper ventilation systems are regularly maintained and utilized in all embalming rooms to minimize inhalation of hazardous chemicals.
- Provide and enforce the consistent use of appropriate personal protective equipment (PPE), including chemical-resistant gloves, eye protection, and respirators, to prevent direct chemical exposure.
- Implement safe lifting techniques and provide mechanical aids, such as hydraulic lifts or gurneys, to reduce the risk of back injuries when handling remains.

## Get a Quote for Class Code 2836

Contact Bright Coast Insurance for a workers' comp quote for class code 2836 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.*