# 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 5491 — Paper Hanging (FL)

**Class Code:** 5491  
**Description:** Paper Hanging  
**State:** FL  
**Rate:** $2.53 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5491?

Class code 5491 covers paperhanging work specifically — the installation of wallpaper and wall coverings. This is a lower-risk decorating trade involving measuring, cutting, and applying wallpaper using paste and adhesives.

## Who Does Class Code 5491 Apply To?

Paperhangers and wall covering installers.

## Florida Examples — Class Code 5491

A small business in Fort Lauderdale specializing in wallpaper installation for high-end residential interiors. A commercial contractor in Orlando applying decorative wall coverings in hotels and corporate offices.

## How to Calculate Workers' Comp Premium for Class Code 5491

**Formula:** (Annual Payroll ÷ 100) × $2.53 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2025 | $2531 | $3037 |
| $250,000 | $5062 | $6328 | $7593 |
| $500,000 | $10124 | $12655 | $15186 |
| $1,000,000 | $20248 | $25310 | $30372 |

## Tips for Managing Class Code 5491 Workers' Comp Costs

- Fall protection is required for work at heights on ladders and scaffolding
- Chemical exposure from wallpaper adhesives requires proper ventilation

## Safety Recommendations for Class Code 5491

- Ensure step ladders are stable and used correctly, avoiding overreaching.
- Train workers on ergonomic practices to minimize strains from overhead tasks.
- Provide cut-resistant gloves and utility knife safety training.
- Ensure adequate ventilation and provide gloves and eye protection when working with adhesives.

## Get a Quote for Class Code 5491

Contact Bright Coast Insurance for a workers' comp quote for class code 5491 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.*