# 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

---

# Workers' Comp Class Code 3132 — Construction Machinery Mfg (FL)

**Class Code:** 3132  
**Description:** Construction Machinery Mfg  
**State:** FL  
**Rate:** $2.02 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

---

## What Is Class Code 3132?

Class code 3132 covers construction machinery manufacturing, including the production of excavators, bulldozers, cranes, and other heavy construction equipment. Work involves heavy steel fabrication, welding, hydraulic system assembly, and testing.

## Who Does Class Code 3132 Apply To?

Construction equipment fabricators, welders, hydraulic technicians, and test operators.

## Florida Examples — Class Code 3132

This class code applies to large-scale manufacturing facilities, such as a 200-employee plant in Jacksonville producing excavator arms and buckets for national distribution, or a specialized fabrication shop in Orlando with 50 workers assembling custom crane components. It also covers companies in South Florida that manufacture heavy-duty agricultural machinery for the state's farming industry.

## How to Calculate Workers' Comp Premium for Class Code 3132

**Formula:** (Annual Payroll ÷ 100) × $2.02 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1616 | $2020 | $2424 |
| $250,000 | $4040 | $5050 | $6060 |
| $500,000 | $8080 | $10100 | $12120 |
| $1,000,000 | $16160 | $20200 | $24240 |

## Tips for Managing Class Code 3132 Workers' Comp Costs

- Overhead crane safety is critical for handling large machine components
- Hydraulic system testing requires pressure safety procedures

## Safety Recommendations for Class Code 3132

- Implement strict 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 steel-toed boots, cut-resistant gloves, and welding helmets, for all fabrication and assembly tasks.
- Ensure proper ventilation systems are in place and regularly maintained to mitigate exposure to welding fumes and airborne particulates.
- Conduct regular training on safe lifting techniques and provide mechanical aids to reduce manual handling of heavy materials.

## Get a Quote for Class Code 3132

Contact Bright Coast Insurance for a workers' comp quote for class code 3132 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)



---

## 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.*