# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
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 3220 — Automobile Mfg (FL)

**Class Code:** 3220  
**Description:** Automobile Mfg  
**State:** FL  
**Rate:** $1.09 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3220?

Class code 3220 covers automobile manufacturing operations, including the assembly of passenger vehicles. Work involves welding, painting, assembly line work, and quality control. Auto manufacturing is a moderate-risk industrial operation with significant ergonomic hazards from assembly line work, as well as welding fume and paint solvent exposure.

## Who Does Class Code 3220 Apply To?

Assembly line workers, welders, painters, and quality control inspectors.

## Florida Examples — Class Code 3220

This class code applies to large-scale automotive manufacturing plants, such as a major international car manufacturer operating a significant assembly facility in Florida, employing thousands of workers. It also covers smaller, specialized vehicle assembly operations, like a company in Orlando that custom-builds electric utility vehicles or recreational vehicles, typically employing 50-200 people.

## How to Calculate Workers' Comp Premium for Class Code 3220

**Formula:** (Annual Payroll ÷ 100) × $1.09 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $876 | $1095 | $1314 |
| $250,000 | $2190 | $2738 | $3285 |
| $500,000 | $4380 | $5475 | $6570 |
| $1,000,000 | $8760 | $10950 | $13140 |

## Tips for Managing Class Code 3220 Workers' Comp Costs

- Ergonomic programs are critical in auto assembly — repetitive motion injuries are the most common claim type
- Welding fume and paint solvent exposure require proper ventilation

## Safety Recommendations for Class Code 3220

- Implement ergonomic workstations and provide regular rotation for assembly line workers to reduce repetitive strain injuries.
- Ensure all machinery has proper guarding and provide mandatory training on safe operation and lockout/tagout procedures to prevent crush injuries and lacerations.
- Provide appropriate personal protective equipment (PPE), including respirators and ventilation systems, to protect against chemical exposure and welding fumes.
- Conduct regular safety audits focusing on material handling, tool maintenance, and proper lifting techniques to minimize sprains and strains.

## Get a Quote for Class Code 3220

Contact Bright Coast Insurance for a workers' comp quote for class code 3220 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 #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) 323-0785 | 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.*