# 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 3303 — Boat Mfg - Fiberglass (FL)

**Class Code:** 3303  
**Description:** Boat Mfg - Fiberglass  
**State:** FL  
**Rate:** $2.19 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3303?

Class code 3303 covers fiberglass boat manufacturing, including the production of fiberglass hulls, decks, and components using hand layup, spray-up, and resin infusion processes. Florida is home to a significant marine manufacturing industry, particularly in the Fort Lauderdale and Tampa Bay areas. Work involves handling fiberglass mat and woven roving, mixing and applying polyester and epoxy resins, and grinding and finishing fiberglass parts. Hazards include respiratory exposure to styrene vapors and fiberglass dust, skin sensitization from resins, and grinding injuries.

## Who Does Class Code 3303 Apply To?

Fiberglass laminators, gelcoat sprayers, grinders, and boat assemblers.

## Florida Examples — Class Code 3303

This class code applies to boat manufacturers like a 50-person facility in Sarasota specializing in custom fiberglass fishing boats, or a larger operation in Fort Lauderdale producing a line of recreational powerboats. It also covers smaller shops in the Panhandle that fabricate fiberglass components for larger boat builders or perform specialized repairs.

## How to Calculate Workers' Comp Premium for Class Code 3303

**Formula:** (Annual Payroll ÷ 100) × $2.19 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1751 | $2189 | $2627 |
| $250,000 | $4378 | $5473 | $6567 |
| $500,000 | $8756 | $10945 | $13134 |
| $1,000,000 | $17512 | $21890 | $26268 |

## Tips for Managing Class Code 3303 Workers' Comp Costs

- Styrene exposure monitoring is required in open-mold fiberglass operations
- Respiratory protection and skin protection programs are essential
- Separate any boat repair operations under code 6834

## Safety Recommendations for Class Code 3303

- Implement robust ventilation systems and provide appropriate respirators (e.g., N95 or P100) for all employees working with fiberglass and resins to prevent respiratory issues.
- Ensure proper ergonomic training and provide lifting aids or team lifting protocols to reduce musculoskeletal strain during material handling and component assembly.
- Provide comprehensive personal protective equipment (PPE) including chemical-resistant gloves, eye protection, and protective clothing to minimize skin and eye exposure to hazardous materials.
- Establish clear emergency procedures and provide readily accessible eyewash stations and safety showers in areas where chemical exposure is a risk.

## Get a Quote for Class Code 3303

Contact Bright Coast Insurance for a workers' comp quote for class code 3303 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.*