# 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 3018 — Sheet Metal Work - Shop Only (FL)

**Class Code:** 3018  
**Description:** Sheet Metal Work - Shop Only  
**State:** FL  
**Rate:** $2.70 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3018?

Class code 3018 covers sheet metal work performed exclusively in a shop setting. This includes cutting, bending, and forming sheet metal components such as HVAC ductwork, metal enclosures, and architectural metal products. Shop-only work has a lower rate than field installation because it eliminates fall hazards.

## Who Does Class Code 3018 Apply To?

Sheet metal workers, press brake operators, and fabricators who work exclusively in a shop.

## Florida Examples — Class Code 3018

This class code applies to businesses like a medium-sized HVAC duct fabrication shop in Orlando that manufactures custom ductwork for commercial buildings, or a small metal enclosure manufacturer in Jacksonville producing electrical boxes and control panels. It also covers a specialized architectural metal fabricator in Miami creating custom decorative metal elements for high-rise construction projects.

## How to Calculate Workers' Comp Premium for Class Code 3018

**Formula:** (Annual Payroll ÷ 100) × $2.70 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2163 | $2704 | $3245 |
| $250,000 | $5408 | $6760 | $8112 |
| $500,000 | $10816 | $13520 | $16224 |
| $1,000,000 | $21632 | $27040 | $32448 |

## Tips for Managing Class Code 3018 Workers' Comp Costs

- Ensure workers classified here do not perform any field installation work
- Cut-resistant gloves are essential for sheet metal handling
- Machine guarding on press brakes and shears is critical

## Safety Recommendations for Class Code 3018

- Ensure all machinery, such as press brakes and shears, are equipped with proper safety guards and that operators are thoroughly trained on their use.
- Implement a robust lockout/tagout program for all machinery during maintenance or when clearing jams to prevent accidental startup.
- Provide and enforce the use of appropriate personal protective equipment (PPE), including cut-resistant gloves, safety glasses, and steel-toed boots.
- Utilize mechanical lifting aids or team lifting techniques for heavy sheet metal to prevent back injuries and strains.

## Get a Quote for Class Code 3018

Contact Bright Coast Insurance for a workers' comp quote for class code 3018 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.*