# 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 8008 — Store - Clothing/Apparel Retail (FL)

**Class Code:** 8008  
**Description:** Store - Clothing/Apparel Retail  
**State:** FL  
**Rate:** $1.05 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8008?

Class code 8008 covers clothing and apparel retail store operations. Work involves customer service, stocking merchandise, operating fitting rooms, and managing inventory. Hazards are relatively low compared to other retail operations, primarily involving slip-and-fall injuries, ladder use for high shelving, and ergonomic strain from repetitive tasks.

## Who Does Class Code 8008 Apply To?

Sales associates, stock clerks, cashiers, and store managers.

## Florida Examples — Class Code 8008

For class code 8008, real-world examples include: A boutique clothing store in South Beach, Miami, specializing in high-end fashion with 5 employees. A large department store in Fort Lauderdale with multiple apparel sections and dozens of sales associates.

## How to Calculate Workers' Comp Premium for Class Code 8008

**Formula:** (Annual Payroll ÷ 100) × $1.05 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $837 | $1046 | $1255 |
| $250,000 | $2092 | $2615 | $3138 |
| $500,000 | $4184 | $5230 | $6276 |
| $1,000,000 | $8368 | $10460 | $12552 |

## Tips for Managing Class Code 8008 Workers' Comp Costs

- Ladder safety training is needed for high-shelf stocking
- Anti-fatigue mats reduce lower extremity strain for standing workers
- Separate warehouse and distribution operations under appropriate codes

## Safety Recommendations for Class Code 8008

- Ensure clear aisles and well-maintained flooring to prevent slips and trips.
- Provide ergonomic workstations for cashiers to reduce repetitive strain injuries.
- Train employees on safe box-opening techniques using appropriate tools.

## Get a Quote for Class Code 8008

Contact Bright Coast Insurance for a workers' comp quote for class code 8008 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.*