# 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 6838 — Boat Building or Repair - Fiberglass Only (FL)

**Class Code:** 6838  
**Description:** Boat Building or Repair - Fiberglass Only  
**State:** FL  
**Rate:** $2.04 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 6838?

Class code 6838 covers fiberglass-only boat building or repair operations. This specialized classification applies when all boat work is exclusively fiberglass lamination, gel coat application, and fiberglass repair — with no other boat building or repair work performed. Florida's dominant fiberglass boat industry makes this a common classification. Hazards are primarily respiratory from styrene and resin fumes, and skin irritation from fiberglass particles.

## Who Does Class Code 6838 Apply To?

Fiberglass laminators, gel coat sprayers, and fiberglass repair technicians.

## Florida Examples — Class Code 6838

A specialized fiberglass repair shop in Miami focusing exclusively on gel coat repair and fiberglass lamination for damaged boat hulls. A small business in Jacksonville manufacturing custom fiberglass components for the marine industry.

## How to Calculate Workers' Comp Premium for Class Code 6838

**Formula:** (Annual Payroll ÷ 100) × $2.04 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1632 | $2040 | $2448 |
| $250,000 | $4080 | $5100 | $6120 |
| $500,000 | $8160 | $10200 | $12240 |
| $1,000,000 | $16320 | $20400 | $24480 |

## Tips for Managing Class Code 6838 Workers' Comp Costs

- Supplied-air respirators or half-face respirators with organic vapor cartridges are required
- Styrene exposure monitoring may be required under OSHA standards
- Skin protection including barrier creams and coveralls reduces dermatitis claims

## Safety Recommendations for Class Code 6838

- Mandate full respiratory protection (e.g., supplied-air respirators) and comprehensive ventilation systems.
- Provide extensive chemical-resistant PPE, including full-body suits, gloves, and eye protection.
- Implement strict fire safety protocols, including proper storage of flammables and fire suppression.
- Utilize ergonomic tools and practices to minimize repetitive motion injuries during finishing.

## Get a Quote for Class Code 6838

Contact Bright Coast Insurance for a workers' comp quote for class code 6838 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.*