# 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 8013 — Store - Jewelry (FL)

**Class Code:** 8013  
**Description:** Store - Jewelry  
**State:** FL  
**Rate:** $0.24 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8013?

Class code 8013 covers jewelry store retail operations, including fine jewelry stores, watch repair shops, and jewelry manufacturing within a retail setting. Work involves customer service, jewelry display and security, and repair operations. Hazards are relatively low, primarily involving robbery-related injuries (which are covered under workers comp), repetitive motion from repair work, and chemical exposure from cleaning solutions.

## Who Does Class Code 8013 Apply To?

Jewelry sales associates, bench jewelers, and store managers.

## Florida Examples — Class Code 8013

For class code 8013, real-world examples include: A family-owned jewelry store in Naples, specializing in custom designs and repairs with 3 employees. A high-end jewelry boutique in Palm Beach Gardens, showcasing luxury brands and employing expert jewelers.

## How to Calculate Workers' Comp Premium for Class Code 8013

**Formula:** (Annual Payroll ÷ 100) × $0.24 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $192 | $240 | $288 |
| $250,000 | $480 | $600 | $720 |
| $500,000 | $960 | $1200 | $1440 |
| $1,000,000 | $1920 | $2400 | $2880 |

## Tips for Managing Class Code 8013 Workers' Comp Costs

- Security protocols reduce robbery-related injury claims
- Chemical handling procedures apply to jewelry cleaning and plating solutions
- Separate manufacturing operations under appropriate manufacturing codes

## Safety Recommendations for Class Code 8013

- Provide ergonomic tools and workstations to minimize repetitive strain injuries for jewelers.
- Ensure proper ventilation and use of respirators when working with chemicals or fumes.
- Implement safety protocols for handling small, sharp tools and soldering equipment.

## Get a Quote for Class Code 8013

Contact Bright Coast Insurance for a workers' comp quote for class code 8013 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.*