# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
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 5478 — Carpet, Linoleum, Vinyl Floor Tile Installation (FL)

**Class Code:** 5478  
**Description:** Carpet, Linoleum, Vinyl Floor Tile Installation  
**State:** FL  
**Rate:** $2.12 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5478?

Class code 5478 covers the installation of carpet, linoleum, and vinyl floor tile. This is one of the lower-risk flooring installation codes. Work involves measuring, cutting, and installing floor coverings using adhesives and mechanical fasteners. Hazards include knee injuries from kneeling, chemical exposure from adhesives, and cuts from cutting tools.

## Who Does Class Code 5478 Apply To?

Carpet installers, vinyl floor tile installers, and linoleum installers.

## Florida Examples — Class Code 5478

A flooring installation company in Orlando laying carpet and vinyl plank flooring in new apartment complexes. A small business in Jacksonville specializing in linoleum and tile installation for commercial kitchens.

## How to Calculate Workers' Comp Premium for Class Code 5478

**Formula:** (Annual Payroll ÷ 100) × $2.12 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1698 | $2122 | $2546 |
| $250,000 | $4244 | $5305 | $6366 |
| $500,000 | $8488 | $10610 | $12732 |
| $1,000,000 | $16976 | $21220 | $25464 |

## Tips for Managing Class Code 5478 Workers' Comp Costs

- Knee protection programs reduce the most common injury type in flooring installation
- Chemical exposure from adhesives requires proper ventilation
- Separate ceramic tile work under codes 1747 or 5348

## Safety Recommendations for Class Code 5478

- Provide knee pads and encourage ergonomic postures to prevent knee and back injuries.
- Ensure utility knives are used with proper safety techniques and blades are changed regularly.
- Maintain clean and organized work areas to prevent slips, trips, and falls.
- Train workers on safe lifting techniques for flooring materials.

## Get a Quote for Class Code 5478

Contact Bright Coast Insurance for a workers' comp quote for class code 5478 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 #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) 323-0785 | 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.*