# 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 3685 — Instrument Mfg - Electrical (FL)

**Class Code:** 3685  
**Description:** Instrument Mfg - Electrical  
**State:** FL  
**Rate:** $0.63 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3685?

Class code 3685 covers electrical instrument manufacturing, including the production of meters, sensors, and measurement equipment. This is a very low-risk manufacturing classification involving precision electronics assembly.

## Who Does Class Code 3685 Apply To?

Instrument assemblers, calibration technicians, and quality control workers.

## Florida Examples — Class Code 3685

This class code applies to small to medium-sized manufacturers in Florida, such as a 25-person company in Orlando producing smart energy meters for utility companies, or a 15-employee firm in Fort Lauderdale specializing in medical sensor assembly for diagnostic equipment. It also covers businesses that manufacture precision scientific instruments for research and development.

## How to Calculate Workers' Comp Premium for Class Code 3685

**Formula:** (Annual Payroll ÷ 100) × $0.63 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $502 | $628 | $754 |
| $250,000 | $1256 | $1570 | $1884 |
| $500,000 | $2512 | $3140 | $3768 |
| $1,000,000 | $5024 | $6280 | $7536 |

## Tips for Managing Class Code 3685 Workers' Comp Costs

- Ergonomic programs reduce repetitive motion injuries in precision assembly

## Safety Recommendations for Class Code 3685

- Implement ergonomic workstations with adjustable chairs, lighting, and tool placement to reduce repetitive strain injuries.
- Provide magnifying tools and adequate task lighting to minimize eye strain and improve precision.
- Ensure all employees receive thorough training on safe handling of small components and proper use of precision tools.
- Mandate the use of appropriate personal protective equipment, including safety glasses and cut-resistant gloves, for all assembly tasks.

## Get a Quote for Class Code 3685

Contact Bright Coast Insurance for a workers' comp quote for class code 3685 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.*