# 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 8031 — Cold Storage Locker (FL)

**Class Code:** 8031  
**Description:** Cold Storage Locker  
**State:** FL  
**Rate:** $1.73 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8031?

Class code 8031 covers cold storage locker operations, including public refrigerated warehouses and cold storage facilities. Work involves operating refrigeration equipment, managing frozen and refrigerated inventory, and forklift operations in cold environments. Hazards include cold temperature exposure, forklift operations, and slip-and-fall on icy floors.

## Who Does Class Code 8031 Apply To?

Cold storage workers, forklift operators, and refrigeration technicians.

## Florida Examples — Class Code 8031

For class code 8031, real-world examples include: A public refrigerated warehouse in Jacksonville storing frozen foods for various clients. A cold storage facility in Tampa managing temperature-sensitive pharmaceutical products.

## How to Calculate Workers' Comp Premium for Class Code 8031

**Formula:** (Annual Payroll ÷ 100) × $1.73 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1386 | $1732 | $2078 |
| $250,000 | $3464 | $4330 | $5196 |
| $500,000 | $6928 | $8660 | $10392 |
| $1,000,000 | $13856 | $17320 | $20784 |

## Tips for Managing Class Code 8031 Workers' Comp Costs

- Cold stress prevention programs including proper PPE are critical
- Anti-slip flooring and footwear reduce fall claims in icy conditions
- Forklift safety programs are essential for cold storage operations

## Safety Recommendations for Class Code 8031

- Provide insulated clothing and regular warm-up breaks for employees working in cold environments.
- Ensure floors are treated with anti-slip coatings and kept free of ice buildup.
- Implement strict forklift safety protocols, including cold-weather operation procedures.
- Provide training on recognizing and treating symptoms of frostbite and hypothermia.

## Get a Quote for Class Code 8031

Contact Bright Coast Insurance for a workers' comp quote for class code 8031 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.*