# 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 3300 — Boat Mfg - Wood (FL)

**Class Code:** 3300  
**Description:** Boat Mfg - Wood  
**State:** FL  
**Rate:** $2.71 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3300?

Class code 3300 covers wooden boat manufacturing, including the construction of wooden hulls, decks, and interior components for boats and yachts. Work involves carpentry, joinery, fiberglass work, and finishing. In Florida, this is a significant classification given the state's large boating industry.

## Who Does Class Code 3300 Apply To?

Boat builders, carpenters, joiners, and finishing workers.

## Florida Examples — Class Code 3300

This class code applies to businesses like 'Coastal Woodcraft Yachts,' a 15-person custom yacht builder in Fort Lauderdale specializing in bespoke wooden sailing vessels, or 'Key West Boatworks,' a smaller 5-person operation that repairs and constructs wooden fishing skiffs and dinghies for local fishermen and tourists.

## How to Calculate Workers' Comp Premium for Class Code 3300

**Formula:** (Annual Payroll ÷ 100) × $2.71 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2169 | $2711 | $3253 |
| $250,000 | $5422 | $6778 | $8133 |
| $500,000 | $10844 | $13555 | $16266 |
| $1,000,000 | $21688 | $27110 | $32532 |

## Tips for Managing Class Code 3300 Workers' Comp Costs

- Wood dust and fiberglass dust require respiratory protection
- Chemical exposure from marine coatings and adhesives requires proper ventilation

## Safety Recommendations for Class Code 3300

- Ensure all woodworking machinery is equipped with appropriate guards and employees are trained on their safe operation.
- Implement a comprehensive lifting safety program, including mechanical aids and proper body mechanics training, to prevent strains.
- Provide and enforce the use of respirators, safety glasses, and gloves to protect against dust, chemicals, and sharp objects.
- Maintain a clean and organized workshop to prevent trip hazards from wood scraps, tools, and materials.

## Get a Quote for Class Code 3300

Contact Bright Coast Insurance for a workers' comp quote for class code 3300 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.*