# 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 3632 — Refrigerator Mfg (FL)

**Class Code:** 3632  
**Description:** Refrigerator Mfg  
**State:** FL  
**Rate:** $1.85 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3632?

Class code 3632 covers refrigerator manufacturing, including the production of household and commercial refrigerators and freezers. Work involves sheet metal fabrication, refrigerant handling, and assembly.

## Who Does Class Code 3632 Apply To?

Refrigerator assemblers, sheet metal workers, and refrigerant technicians.

## Florida Examples — Class Code 3632

This class code applies to large-scale manufacturing plants, such as a 500-employee facility in Orlando producing commercial refrigeration units for restaurants and grocery stores. It also covers smaller operations, like a 50-person company in Jacksonville specializing in custom-built laboratory freezers or residential wine coolers.

## How to Calculate Workers' Comp Premium for Class Code 3632

**Formula:** (Annual Payroll ÷ 100) × $1.85 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1480 | $1850 | $2220 |
| $250,000 | $3700 | $4625 | $5550 |
| $500,000 | $7400 | $9250 | $11100 |
| $1,000,000 | $14800 | $18500 | $22200 |

## Tips for Managing Class Code 3632 Workers' Comp Costs

- Refrigerant handling requires EPA 608 certification
- Sheet metal handling requires cut-resistant gloves

## Safety Recommendations for Class Code 3632

- Implement machine guarding on all sheet metal fabrication equipment to prevent contact with moving parts.
- Provide ergonomic tools and lift assists for repetitive tasks and heavy component handling to reduce sprains and strains.
- Ensure proper ventilation and provide personal protective equipment, including respirators and chemical-resistant gloves, for all employees handling refrigerants.

## Get a Quote for Class Code 3632

Contact Bright Coast Insurance for a workers' comp quote for class code 3632 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.*