# 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 8209 — Produce Handling or Packing (FL)

**Class Code:** 8209  
**Description:** Produce Handling or Packing  
**State:** FL  
**Rate:** $3.49 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8209?

Class code 8209 covers produce handling or packing operations, including packing houses, produce distributors, and fresh produce handlers. Work involves sorting, grading, packing, and shipping fresh fruits and vegetables. Florida's agriculture industry makes this a significant classification, particularly in the Immokalee and Homestead areas. Hazards include repetitive motion injuries from sorting and packing, cold temperature exposure in refrigerated facilities, and forklift operations.

## Who Does Class Code 8209 Apply To?

Produce packers, sorters, graders, forklift operators, and shipping workers.

## Florida Examples — Class Code 8209

For class code 8209, real-world examples include: A produce packing house in Homestead, Florida, sorting and packaging tomatoes for distribution. A fresh produce distributor in Plant City supplying grocery stores across the state.

## How to Calculate Workers' Comp Premium for Class Code 8209

**Formula:** (Annual Payroll ÷ 100) × $3.49 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2792 | $3490 | $4188 |
| $250,000 | $6980 | $8725 | $10470 |
| $500,000 | $13960 | $17450 | $20940 |
| $1,000,000 | $27920 | $34900 | $41880 |

## Tips for Managing Class Code 8209 Workers' Comp Costs

- Ergonomic programs reduce repetitive motion claims in packing operations
- Cold stress prevention applies to refrigerated packing house operations
- Separate field harvesting operations under agricultural codes

## Safety Recommendations for Class Code 8209

- Implement ergonomic workstations and tools to reduce repetitive strain injuries during sorting and packing.
- Ensure floors are kept clean, dry, and free of discarded produce to prevent slips.
- Provide training on safe use of cutting tools and require cut-resistant gloves.

## Get a Quote for Class Code 8209

Contact Bright Coast Insurance for a workers' comp quote for class code 8209 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.*