# 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 3122 — Tractor Mfg (FL)

**Class Code:** 3122  
**Description:** Tractor Mfg  
**State:** FL  
**Rate:** $1.23 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3122?

Class code 3122 covers tractor manufacturing operations. Work involves heavy metal fabrication, welding, assembly, and testing of agricultural and industrial tractors.

## Who Does Class Code 3122 Apply To?

Tractor assemblers, welders, fabricators, and test drivers.

## Florida Examples — Class Code 3122

This class code applies to large-scale manufacturing plants, such as a 500-employee facility in Orlando producing agricultural tractors for citrus farms, or a 200-person operation in Jacksonville assembling industrial tractors for port operations and construction. It also covers smaller specialized manufacturers focusing on niche tractor markets within Florida.

## How to Calculate Workers' Comp Premium for Class Code 3122

**Formula:** (Annual Payroll ÷ 100) × $1.23 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $983 | $1229 | $1475 |
| $250,000 | $2458 | $3073 | $3687 |
| $500,000 | $4916 | $6145 | $7374 |
| $1,000,000 | $9832 | $12290 | $14748 |

## Tips for Managing Class Code 3122 Workers' Comp Costs

- Welding fume control is important in tractor manufacturing
- Heavy component handling requires proper lifting equipment and ergonomic programs

## Safety Recommendations for Class Code 3122

- Implement robust lockout/tagout procedures for all machinery during maintenance and repairs to prevent accidental startups.
- Provide and enforce the use of appropriate personal protective equipment (PPE), including welding helmets, gloves, and steel-toed boots, for all relevant tasks.
- Establish and maintain clear pathways and designated work zones to prevent collisions and improve material handling safety.
- Conduct regular training on proper lifting techniques and provide mechanical aids to reduce musculoskeletal injuries during assembly.

## Get a Quote for Class Code 3122

Contact Bright Coast Insurance for a workers' comp quote for class code 3122 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.*