# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
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 3515 — Cutlery Mfg (FL)

**Class Code:** 3515  
**Description:** Cutlery Mfg  
**State:** FL  
**Rate:** $1.80 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3515?

Class code 3515 covers cutlery manufacturing, including the production of knives, scissors, and other cutting instruments. Work involves forging, grinding, and finishing blades. Hazards include cuts from sharp blades and grinding injuries.

## Who Does Class Code 3515 Apply To?

Blade grinders, cutlery assemblers, and finishing workers.

## Florida Examples — Class Code 3515

This class code applies to businesses like a 20-person custom knife manufacturer in Orlando specializing in hunting and tactical blades, or a small, family-owned scissor and shear production facility in Jacksonville producing for the salon industry. It also covers larger operations that might manufacture surgical instruments or industrial cutting tools.

## How to Calculate Workers' Comp Premium for Class Code 3515

**Formula:** (Annual Payroll ÷ 100) × $1.80 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1440 | $1800 | $2160 |
| $250,000 | $3600 | $4500 | $5400 |
| $500,000 | $7200 | $9000 | $10800 |
| $1,000,000 | $14400 | $18000 | $21600 |

## Tips for Managing Class Code 3515 Workers' Comp Costs

- Cut-resistant gloves are essential for blade handling operations
- Grinding operations require eye protection and face shields

## Safety Recommendations for Class Code 3515

- Implement mandatory cut-resistant gloves and arm guards for all employees handling blades during grinding, assembly, and finishing processes.
- Ensure all cutting and grinding machinery is equipped with appropriate guards and emergency stop buttons, and conduct regular maintenance checks.
- Provide ergonomic tools and workstations to reduce repetitive strain injuries, and encourage regular breaks for stretching and repositioning.
- Establish clear protocols for safe handling and storage of sharp tools and materials, including designated disposal containers for damaged blades.

## Get a Quote for Class Code 3515

Contact Bright Coast Insurance for a workers' comp quote for class code 3515 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 #L132181) 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, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*