# 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 3240 — Automobile Body Mfg (FL)

**Class Code:** 3240  
**Description:** Automobile Body Mfg  
**State:** FL  
**Rate:** $2.89 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3240?

Class code 3240 covers automobile body manufacturing, including the production of vehicle body panels, frames, and structural components. Work involves stamping, welding, and finishing metal body components.

## Who Does Class Code 3240 Apply To?

Stamping press operators, welders, and body panel fabricators.

## Florida Examples — Class Code 3240

This code applies to large-scale automotive manufacturing plants in Florida that produce car and truck bodies, such as a facility in Jacksonville specializing in commercial vehicle body fabrication, or a medium-sized plant near Orlando that manufactures specialty vehicle bodies like ambulances or recreational vehicles. It also covers smaller, independent shops that focus solely on fabricating custom body panels or structural components for the automotive industry.

## How to Calculate Workers' Comp Premium for Class Code 3240

**Formula:** (Annual Payroll ÷ 100) × $2.89 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2310 | $2888 | $3466 |
| $250,000 | $5776 | $7220 | $8664 |
| $500,000 | $11552 | $14440 | $17328 |
| $1,000,000 | $23104 | $28880 | $34656 |

## Tips for Managing Class Code 3240 Workers' Comp Costs

- Stamping press guarding is critical — these machines cause severe injuries
- Welding fume control is important in body manufacturing

## Safety Recommendations for Class Code 3240

- Implement strict lockout/tagout procedures for all machinery during maintenance and repairs to prevent accidental startups.
- Ensure all employees operating stamping presses and other fabrication equipment wear appropriate personal protective equipment, including cut-resistant gloves and steel-toed boots.
- Provide comprehensive training on proper lifting techniques and utilize mechanical aids to reduce strain from manual material handling.
- Install automated welding screens and enforce the use of welding helmets with appropriate shade levels to protect against arc flash and UV radiation.

## Get a Quote for Class Code 3240

Contact Bright Coast Insurance for a workers' comp quote for class code 3240 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.*