# 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 5146 — Furniture or Fixtures Installation (FL)

**Class Code:** 5146  
**Description:** Furniture or Fixtures Installation  
**State:** FL  
**Rate:** $3.26 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5146?

Class code 5146 covers the installation of furniture and fixtures in commercial and residential settings. Work involves delivering, assembling, and installing office furniture, store fixtures, and built-in furnishings. Hazards include back injuries from heavy lifting, cuts from tools, and falls from ladders.

## Who Does Class Code 5146 Apply To?

Furniture installers, fixture installers, and commercial furniture delivery workers.

## Florida Examples — Class Code 5146

An office furniture installation firm in Orlando assembling and setting up cubicles and desks for corporate clients. A retail fixture installation company in Miami installing display cases and shelving for new stores.

## How to Calculate Workers' Comp Premium for Class Code 5146

**Formula:** (Annual Payroll ÷ 100) × $3.26 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2609 | $3261 | $3913 |
| $250,000 | $6522 | $8153 | $9783 |
| $500,000 | $13044 | $16305 | $19566 |
| $1,000,000 | $26088 | $32610 | $39132 |

## Tips for Managing Class Code 5146 Workers' Comp Costs

- Back injury prevention programs reduce the most common claim type
- Proper lifting techniques and mechanical lifting aids reduce injury frequency

## Safety Recommendations for Class Code 5146

- Train employees on ergonomic lifting techniques and encourage team lifts for heavy items.
- Ensure clear pathways and organized work areas to prevent slips, trips, and falls.
- Provide appropriate hand tools and ensure they are used correctly and maintained.
- Use dollies and carts to transport furniture and fixtures whenever possible.

## Get a Quote for Class Code 5146

Contact Bright Coast Insurance for a workers' comp quote for class code 5146 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.*