# 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 3634 — Lawn Mower Mfg (FL)

**Class Code:** 3634  
**Description:** Lawn Mower Mfg  
**State:** FL  
**Rate:** $2.40 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3634?

Class code 3634 covers lawn mower manufacturing, including the production of push mowers, riding mowers, and commercial mowing equipment. Work involves metal fabrication, engine assembly, and testing.

## Who Does Class Code 3634 Apply To?

Lawn mower assemblers, engine technicians, and test operators.

## Florida Examples — Class Code 3634

This class code applies to businesses like a medium-sized manufacturing plant in Ocala, Florida, with 50-100 employees, specializing in assembling riding lawn mowers for agricultural and commercial use. It also covers smaller operations, perhaps a 15-person facility near Jacksonville, that fabricates components and assembles push mowers for local distribution and export to Caribbean markets.

## How to Calculate Workers' Comp Premium for Class Code 3634

**Formula:** (Annual Payroll ÷ 100) × $2.40 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1920 | $2400 | $2880 |
| $250,000 | $4800 | $6000 | $7200 |
| $500,000 | $9600 | $12000 | $14400 |
| $1,000,000 | $19200 | $24000 | $28800 |

## Tips for Managing Class Code 3634 Workers' Comp Costs

- Blade handling requires cut-resistant gloves
- Engine testing operations involve exhaust fume exposure — proper ventilation is required

## Safety Recommendations for Class Code 3634

- Implement machine guarding on all fabrication and assembly equipment to prevent contact with moving parts.
- Provide comprehensive training on proper lifting techniques and utilize ergonomic tools and equipment to reduce musculoskeletal strain.
- Ensure all employees wear appropriate personal protective equipment (PPE), including cut-resistant gloves, safety glasses, and hearing protection, at all times.
- Establish and enforce lockout/tagout procedures for all machinery during maintenance and repairs to prevent accidental startups.

## Get a Quote for Class Code 3634

Contact Bright Coast Insurance for a workers' comp quote for class code 3634 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.*