# 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 --- # Workers' Comp Class Code 8103 — Store - Wholesale NOC (FL) **Class Code:** 8103 **Description:** Store - Wholesale NOC **State:** FL **Rate:** $2.03 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 8103? Class code 8103 covers wholesale store employees not classified elsewhere (NOC), including warehouse workers, order pickers, forklift operators, and sales staff at wholesale distribution facilities. This catch-all wholesale classification applies to businesses that sell goods in bulk to retailers or other businesses. Hazards include material handling injuries, forklift accidents, and falls from warehouse racking. ## Who Does Class Code 8103 Apply To? Wholesale warehouse workers, order pickers, forklift operators, receiving and shipping clerks, and inside sales staff at wholesale distribution centers. ## Florida Examples — Class Code 8103 Businesses falling under NCCI class code 8103 in Florida include a wide array of wholesale operations. For instance, 'Sunshine Electronics Distributors,' a medium-sized company based in Orlando, employs numerous warehouse workers and order pickers who handle the storage and shipment of electronic components to retailers across the state. Similarly, 'Everglades Food Service Supply,' a large distributor in Miami, utilizes forklift operators and shipping staff to manage vast quantities of restaurant provisions, from dry goods to refrigerated items, serving the bustling hospitality industry. Another example is 'Coastal Medical Wholesalers' in Jacksonville, a smaller firm specializing in medical supplies, where receiving staff meticulously process incoming shipments and prepare outgoing orders for clinics and hospitals throughout North Florida. These businesses are characterized by their focus on distributing goods to other businesses rather than directly to consumers, with employees primarily engaged in warehouse and logistics functions. ## How to Calculate Workers' Comp Premium for Class Code 8103 **Formula:** (Annual Payroll ÷ 100) × $2.03 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $1623 | $2029 | $2435 | | $250,000 | $4058 | $5073 | $6087 | | $500,000 | $8116 | $10145 | $12174 | | $1,000,000 | $16232 | $20290 | $24348 | ## Tips for Managing Class Code 8103 Workers' Comp Costs - Properly classify specialized wholesale operations under more specific codes to avoid over-rating - Forklift safety programs and operator certification reduce the most common claim type - Racking inspection programs prevent catastrophic collapse injuries - Separate clerical and outside sales staff under codes 8810 or 8742 ## Safety Recommendations for Class Code 8103 - Implement comprehensive forklift safety training and certification programs, ensuring operators are skilled in safe loading, unloading, and maneuvering to prevent collisions and tip-overs in busy warehouse environments. - Establish clear protocols for manual material handling, including proper lifting techniques, the use of ergonomic aids, and team lifts for heavy or awkward items, to minimize strains and sprains among order pickers and warehouse staff. - Maintain well-lit, organized, and clutter-free aisles and storage areas, regularly inspecting flooring for hazards and promptly addressing spills to prevent slips, trips, and falls, which are common in fast-paced wholesale operations. - Ensure all employees, especially those in shipping and receiving, wear appropriate personal protective equipment (PPE) such as safety shoes, gloves, and high-visibility vests to protect against falling objects, cuts, and to enhance visibility around moving equipment. ## Get a Quote for Class Code 8103 Contact Bright Coast Insurance for a workers' comp quote for class code 8103 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) --- ## 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.*