Hardware Stores
Florida Workers\' Compensation Class Code 8102 • FWCJUA / NCCI • Effective 2025-01-01
Current Rate
$1.18
per $100 of payroll
FWCJUA / NCCI 2025-01-01
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 is Covered Under This Code?
Retail hardware store sales associates, cashiers, stockroom employees, receiving clerks, and department supervisors.
Tips to Reduce Your Premium
- 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
Example Operations
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.
Common Claims for Code 8102
Common claims include back strains from lifting heavy merchandise, cuts from sharp tools or sheet metal, and slip-and-fall injuries on wet floors or in cluttered stockrooms.
Frequently Asked Questions
What is workers comp 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.
What is the workers comp rate for class code 8102 in Florida?
The current workers' compensation rate for class code 8102 in Florida is $1.18 per $100 of payroll, as set by FWCJUA / NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 8102?
Retail hardware store sales associates, cashiers, stockroom employees, receiving clerks, and department supervisors.
How can I reduce my workers comp premium for class code 8102 in Florida?
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
Do I need workers comp insurance for employees classified under code 8102 in Florida?
Yes. Florida requires most employers to carry workers' compensation insurance for their employees. Class code 8102 employees must be covered. Penalties for non-compliance in Florida can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.