# 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 3548 — Firearms Mfg (FL)

**Class Code:** 3548  
**Description:** Firearms 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 3548?

Class code 3548 covers firearms manufacturing operations, including the production of pistols, rifles, shotguns, and other firearms. Work involves precision machining, assembly, and testing of firearm components. This is a regulated industry with strict quality and safety requirements.

## Who Does Class Code 3548 Apply To?

Firearms machinists, assemblers, and test technicians.

## Florida Examples — Class Code 3548

This class code applies to businesses like a medium-sized firearms manufacturer in Orlando producing hunting rifles and pistols, employing around 50 machinists and assemblers. It also covers smaller, specialized operations in Miami-Dade County that custom-build high-precision firearms for competitive shooting, with a team of 10-15 skilled technicians. Additionally, a large facility near Jacksonville that manufactures components for military-grade firearms would fall under this classification.

## How to Calculate Workers' Comp Premium for Class Code 3548

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

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $872 | $1090 | $1308 |
| $250,000 | $2180 | $2725 | $3270 |
| $500,000 | $4360 | $5450 | $6540 |
| $1,000,000 | $8720 | $10900 | $13080 |

## Tips for Managing Class Code 3548 Workers' Comp Costs

- Firearms testing operations require proper range safety procedures
- Machine guarding on machining equipment is the primary safety priority

## Safety Recommendations for Class Code 3548

- Implement comprehensive machine guarding on all precision machining equipment to prevent contact with moving parts.
- Provide ergonomic workstations and encourage regular breaks to reduce the risk of repetitive strain injuries among assemblers.
- Mandate the use of appropriate personal protective equipment, including safety glasses and gloves, for all manufacturing and testing processes.
- Establish strict protocols for handling and storing firearms and ammunition to prevent accidental discharges or misfires during testing.

## Get a Quote for Class Code 3548

Contact Bright Coast Insurance for a workers' comp quote for class code 3548 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.*