# 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 8102 — Hardware Stores (FL)

**Class Code:** 8102  
**Description:** Hardware Stores  
**State:** FL  
**Rate:** $1.18 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8102?

Class code 8102 covers retail hardware store employees, including sales staff, stockroom workers, and cashiers. Work involves stocking shelves, assisting customers with hardware and building supplies, operating forklifts or pallet jacks in the stockroom, and handling heavy or sharp merchandise. Florida's active home improvement and contractor supply market makes this a common classification, particularly in suburban and coastal communities with high construction activity.

## Who Does Class Code 8102 Apply To?

Retail hardware store sales associates, cashiers, stockroom employees, receiving clerks, and department supervisors.

## Florida Examples — Class Code 8102

A local hardware store in Fort Myers employing 12 people selling tools, fasteners, and building supplies. A regional home improvement retailer with multiple Florida locations.

## How to Calculate Workers' Comp Premium for Class Code 8102

**Formula:** (Annual Payroll ÷ 100) × $1.18 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $944 | $1180 | $1416 |
| $250,000 | $2360 | $2950 | $3540 |
| $500,000 | $4720 | $5900 | $7080 |
| $1,000,000 | $9440 | $11800 | $14160 |

## Tips for Managing Class Code 8102 Workers' Comp Costs

- Separate delivery drivers under code 8111 or a driver classification to reduce premium
- Forklift operator certification reduces material handling injury claims
- Implement ergonomic lifting programs for stockroom workers handling heavy merchandise
- Slip-and-fall prevention programs are critical in high-traffic retail environments

## Get a Quote for Class Code 8102

Contact Bright Coast Insurance for a workers' comp quote for class code 8102 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.*