# 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 --- # Workers' Comp Class Code 8105 — Stores - Hardware - Retail (FL) **Class Code:** 8105 **Description:** Stores - Hardware - Retail **State:** FL **Rate:** $1.22 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 8105? Class code 8105 covers retail store employees at stores selling merchandise not classified under a more specific code — a catch-all for miscellaneous retail operations. This includes employees at specialty retail shops, gift stores, and other consumer goods retailers. Hazards are generally low compared to industrial classifications, but include slip-and-fall injuries, lifting strains, and occasional robbery-related incidents. ## Who Does Class Code 8105 Apply To? Retail sales associates, cashiers, stock clerks, and store supervisors at miscellaneous retail establishments. ## Florida Examples — Class Code 8105 Businesses falling under NCCI class code 8105 in Florida typically include a diverse range of general merchandise retailers where employees are primarily involved in direct customer service, stocking, and cashier duties. For instance, a bustling gift shop in St. Augustine's historic district, employing 10-15 staff members, would classify its sales associates and stock handlers under this code as they assist tourists and manage inventory. Similarly, a mid-sized independent hardware store in Orlando, with 20-25 employees, including floor staff guiding customers to products and cashiers processing sales, would also utilize this classification. Another example is a general merchandise retailer in Miami, perhaps a smaller department store selling home goods and apparel, with 30-40 employees. Their customer service representatives, stockroom workers, and checkout staff, who are not specialized in a more specific retail category, fit perfectly within this code, highlighting its broad application for non-specialized retail operations across Florida. ## How to Calculate Workers' Comp Premium for Class Code 8105 **Formula:** (Annual Payroll ÷ 100) × $1.22 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $976 | $1220 | $1464 | | $250,000 | $2440 | $3050 | $3660 | | $500,000 | $4880 | $6100 | $7320 | | $1,000,000 | $9760 | $12200 | $14640 | ## Tips for Managing Class Code 8105 Workers' Comp Costs - Review whether a more specific retail code applies to reduce premium - Slip-and-fall prevention programs are the highest-impact safety investment for retail - Ergonomic lifting procedures for stockroom employees reduce back strain claims ## Safety Recommendations for Class Code 8105 - Ensure all aisles and walkways are kept clear of merchandise, boxes, and spills. Implement a strict policy for immediate cleanup of any liquids or debris to prevent slips, trips, and falls. - Train employees on proper lifting techniques, emphasizing bending at the knees and using leg muscles, not the back. Provide and encourage the use of dollies or hand trucks for moving heavy or bulky items to prevent strains and sprains. - Provide appropriate tools, such as box cutters with safety guards, for opening cartons and handling merchandise. Educate staff on safe handling procedures for any items with sharp edges to minimize cuts and punctures. - Implement ergonomic workstation setups for cashiers and customer service staff to reduce repetitive strain injuries. Encourage regular short breaks and stretching exercises for employees performing repetitive tasks like scanning or stocking shelves. ## Get a Quote for Class Code 8105 Contact Bright Coast Insurance for a workers' comp quote for class code 8105 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) --- ## 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.*