# 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 5535 — Sheet Metal Work - Installation & Drivers (FL)

**Class Code:** 5535  
**Description:** Sheet Metal Work - Installation & Drivers  
**State:** FL  
**Rate:** $5.33 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5535?

Class code 5535 covers sheet metal work installation, including the installation of HVAC ductwork, metal roofing, gutters, downspouts, and architectural sheet metal. Sheet metal workers fabricate and install metal components on construction job sites. In Florida, sheet metal work is in high demand due to the active construction market and the need for hurricane-resistant HVAC systems. Hazards include cuts from sheet metal, falls from heights, and heavy lifting.

## Who Does Class Code 5535 Apply To?

Sheet metal workers, HVAC duct installers, metal roofers, and helpers.

## Florida Examples — Class Code 5535

A sheet metal fabrication and installation company in Orlando installing HVAC ductwork in new commercial buildings. A specialized contractor in Miami fabricating and installing architectural sheet metal for building facades.

## How to Calculate Workers' Comp Premium for Class Code 5535

**Formula:** (Annual Payroll ÷ 100) × $5.33 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4265 | $5331 | $6397 |
| $250,000 | $10662 | $13328 | $15993 |
| $500,000 | $21324 | $26655 | $31986 |
| $1,000,000 | $42648 | $53310 | $63972 |

## Tips for Managing Class Code 5535 Workers' Comp Costs

- Cut-resistant gloves are mandatory for sheet metal handling
- Fall protection is required for roof and elevated sheet metal work
- Separate shop fabrication under code 3018 — field installation has a higher rate

## Safety Recommendations for Class Code 5535

- Provide cut-resistant gloves and appropriate PPE for handling and fabricating sheet metal.
- Train employees on safe lifting techniques and encourage team lifts for large duct sections.
- Ensure ladders and scaffolding are stable, properly erected, and regularly inspected.
- Implement proper ventilation and provide eye protection for grinding and cutting operations.

## Get a Quote for Class Code 5535

Contact Bright Coast Insurance for a workers' comp quote for class code 5535 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.*