# 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 3082 — Gear Mfg (FL)

**Class Code:** 3082  
**Description:** Gear Mfg  
**State:** FL  
**Rate:** $2.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3082?

Class code 3082 covers gear manufacturing operations, including the production of precision gears for industrial, automotive, and aerospace applications. Work involves hobbing, grinding, and finishing gear teeth on specialized gear cutting equipment.

## Who Does Class Code 3082 Apply To?

Gear cutters, hobbing machine operators, and gear grinders.

## Florida Examples — Class Code 3082

This class code applies to specialized manufacturers like 'Precision Gears of Orlando,' a medium-sized company with 50 employees producing custom gears for aerospace clients, or 'Florida Gear Works,' a smaller shop with 15 employees manufacturing automotive transmission gears for local distributors. It also covers larger industrial component suppliers in Jacksonville that have dedicated gear production lines.

## How to Calculate Workers' Comp Premium for Class Code 3082

**Formula:** (Annual Payroll ÷ 100) × $2.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1680 | $2100 | $2520 |
| $250,000 | $4200 | $5250 | $6300 |
| $500,000 | $8400 | $10500 | $12600 |
| $1,000,000 | $16800 | $21000 | $25200 |

## Tips for Managing Class Code 3082 Workers' Comp Costs

- Machine guarding on gear cutting equipment is the primary safety priority
- Cutting fluid exposure requires skin protection programs

## Safety Recommendations for Class Code 3082

- Implement strict lockout/tagout procedures for all gear manufacturing machinery during maintenance or clearing jams to prevent accidental startup.
- Ensure all employees operating gear cutting, hobbing, and grinding machines wear appropriate personal protective equipment, including safety glasses, hearing protection, and cut-resistant gloves.
- Provide ergonomic lifting aids and training for employees handling heavy gear components to minimize the risk of back injuries and strains.
- Regularly inspect and maintain all machinery, including guards and safety interlocks, to ensure they are functioning correctly and preventing access to hazardous moving parts.

## Get a Quote for Class Code 3082

Contact Bright Coast Insurance for a workers' comp quote for class code 3082 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.*