# 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 8203 — Ice Dealer (FL)

**Class Code:** 8203  
**Description:** Ice Dealer  
**State:** FL  
**Rate:** $5.14 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

---

## What Is Class Code 8203?

Class code 8203 covers ice dealer operations, including ice manufacturing, distribution, and delivery. Work involves operating ice-making equipment, handling heavy ice bags and blocks, and making deliveries. Hazards include cold temperature exposure, slip-and-fall on wet and icy surfaces, and musculoskeletal strain from handling heavy ice products.

## Who Does Class Code 8203 Apply To?

Ice plant workers, delivery drivers, and route salespeople.

## Florida Examples — Class Code 8203

For class code 8203, real-world examples include: An ice manufacturing plant in Fort Lauderdale producing bagged ice for retail and commercial use. A local ice delivery service in Sarasota supplying restaurants and events.

## How to Calculate Workers' Comp Premium for Class Code 8203

**Formula:** (Annual Payroll ÷ 100) × $5.14 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4116 | $5145 | $6174 |
| $250,000 | $10290 | $12862 | $15435 |
| $500,000 | $20580 | $25725 | $30870 |
| $1,000,000 | $41160 | $51450 | $61740 |

## Tips for Managing Class Code 8203 Workers' Comp Costs

- Non-slip footwear is essential for ice handling operations
- Cold stress prevention programs are required for ice plant workers
- MVR checks are required for delivery drivers

## Safety Recommendations for Class Code 8203

- Provide insulated gloves and clothing for employees working in cold environments.
- Ensure floors are treated with anti-slip coatings and kept free of ice buildup.
- Implement safe lifting techniques for handling heavy bags and blocks of ice.
- Provide training on recognizing and treating symptoms of frostbite.

## Get a Quote for Class Code 8203

Contact Bright Coast Insurance for a workers' comp quote for class code 8203 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.*