# 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 8039 — Department or Discount Stores (FL)

**Class Code:** 8039  
**Description:** Department or Discount Stores  
**State:** FL  
**Rate:** $1.48 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8039?

Class code 8039 covers department store and discount store operations, including large retail stores selling a broad range of merchandise. Work involves customer service, stocking, operating registers, and managing multiple departments. Florida has significant department store operations in major metropolitan areas. Hazards include slip-and-fall injuries, ergonomic strain, and forklift operations in receiving areas.

## Who Does Class Code 8039 Apply To?

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

## Florida Examples — Class Code 8039

For class code 8039, real-world examples include: A large department store in Aventura Mall, Miami, with multiple floors and a wide range of products. A discount retailer in Pensacola offering clothing, home goods, and electronics at reduced prices.

## How to Calculate Workers' Comp Premium for Class Code 8039

**Formula:** (Annual Payroll ÷ 100) × $1.48 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1184 | $1480 | $1776 |
| $250,000 | $2960 | $3700 | $4440 |
| $500,000 | $5920 | $7400 | $8880 |
| $1,000,000 | $11840 | $14800 | $17760 |

## Tips for Managing Class Code 8039 Workers' Comp Costs

- Slip-and-fall prevention programs are critical for high-traffic retail environments
- Forklift safety in receiving areas is a significant exposure
- Separate distribution center operations under appropriate codes

## Safety Recommendations for Class Code 8039

- Maintain clear aisles and well-lit areas to prevent slips, trips, and falls.
- Provide ergonomic workstations for cashiers and stockers to reduce repetitive strain.
- Train employees on safe lifting techniques for handling merchandise.

## Get a Quote for Class Code 8039

Contact Bright Coast Insurance for a workers' comp quote for class code 8039 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.*