# 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 8046 — Auto Accessories Store - Retail (FL)

**Class Code:** 8046  
**Description:** Auto Accessories Store - Retail  
**State:** FL  
**Rate:** $2.41 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8046?

Class code 8046 covers auto accessories retail store operations, including stores selling parts, tires, and accessories for vehicles. Work involves customer service, stocking heavy parts, and installation services. Hazards include musculoskeletal strain from handling heavy auto parts, chemical exposure from automotive fluids, and installation-related injuries.

## Who Does Class Code 8046 Apply To?

Parts counter staff, stock clerks, and installation technicians.

## Florida Examples — Class Code 8046

For class code 8046, real-world examples include: An independent auto parts store in Daytona Beach selling tires, batteries, and accessories. A national auto service chain in Miami offering tire installation and oil changes.

## How to Calculate Workers' Comp Premium for Class Code 8046

**Formula:** (Annual Payroll ÷ 100) × $2.41 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1925 | $2406 | $2887 |
| $250,000 | $4812 | $6015 | $7218 |
| $500,000 | $9624 | $12030 | $14436 |
| $1,000,000 | $19248 | $24060 | $28872 |

## Tips for Managing Class Code 8046 Workers' Comp Costs

- Heavy parts handling training reduces back injury claims
- Chemical handling procedures apply to automotive fluids and batteries
- Separate auto repair operations under code 8380 if installation is significant

## Safety Recommendations for Class Code 8046

- Provide training on safe lifting techniques for tires and heavy auto parts.
- Ensure employees use appropriate personal protective equipment (PPE) like gloves and safety glasses.
- Implement strict safety procedures for using power tools and handling sharp objects.
- Maintain clean and organized work bays to prevent slips and trips.

## Get a Quote for Class Code 8046

Contact Bright Coast Insurance for a workers' comp quote for class code 8046 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.*