# 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 4304 — Newspaper Publishing (FL)

**Class Code:** 4304  
**Description:** Newspaper Publishing  
**State:** FL  
**Rate:** $3.67 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 4304?

Class code 4304 covers newspaper publishing operations, including editorial, printing, and distribution functions. Work involves operating printing presses, handling paper rolls, and distributing newspapers. Hazards include machine entanglement, ink exposure, and heavy lifting.

## Who Does Class Code 4304 Apply To?

Press operators, pressmen, production workers, and delivery drivers.

## Florida Examples — Class Code 4304

This class code applies to businesses like the "Florida Times-Union" in Jacksonville, employing hundreds of staff across editorial, printing, and delivery, or smaller community newspapers such as the "Key West Citizen" with a more modest staff handling all aspects of newspaper production and distribution. It also covers specialty publishers producing niche newspapers or free weekly publications distributed throughout Florida.

## How to Calculate Workers' Comp Premium for Class Code 4304

**Formula:** (Annual Payroll ÷ 100) × $3.67 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2936 | $3670 | $4404 |
| $250,000 | $7340 | $9175 | $11010 |
| $500,000 | $14680 | $18350 | $22020 |
| $1,000,000 | $29360 | $36700 | $44040 |

## Tips for Managing Class Code 4304 Workers' Comp Costs

- Machine guarding on printing presses is critical
- Separate editorial and administrative staff under code 8810

## Safety Recommendations for Class Code 4304

- Implement ergonomic practices and provide lifting aids to reduce strain from handling heavy paper rolls and operating machinery.
- Ensure all printing presses and cutting equipment have proper guarding and emergency stop mechanisms to prevent lacerations and crush injuries.
- Provide comprehensive driver safety training, including defensive driving techniques and route planning, to minimize vehicle accident risks for delivery personnel.
- Maintain clear pathways and adequate lighting in printing and distribution areas to prevent slips, trips, and falls.

## Get a Quote for Class Code 4304

Contact Bright Coast Insurance for a workers' comp quote for class code 4304 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.*