# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
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 8232 — Building Material Dealer - New Materials (FL)

**Class Code:** 8232  
**Description:** Building Material Dealer - New Materials  
**State:** FL  
**Rate:** $3.85 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8232?

Class code 8232 covers building material dealer operations for new materials, including lumber yards, building supply distributors, and wholesale building material operations. Work involves managing large inventories of lumber and building materials, operating forklifts and cranes, and making deliveries. Hazards include forklift operations, heavy material handling, and cuts from lumber and metal products.

## Who Does Class Code 8232 Apply To?

Lumber yard workers, forklift operators, delivery drivers, and counter sales staff.

## Florida Examples — Class Code 8232

For class code 8232, real-world examples include: A large lumber yard in Jacksonville distributing timber, plywood, and other building materials to contractors. A wholesale building material supplier in Miami specializing in roofing and siding products.

## How to Calculate Workers' Comp Premium for Class Code 8232

**Formula:** (Annual Payroll ÷ 100) × $3.85 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3078 | $3848 | $4618 |
| $250,000 | $7696 | $9620 | $11544 |
| $500,000 | $15392 | $19240 | $23088 |
| $1,000,000 | $30784 | $38480 | $46176 |

## Tips for Managing Class Code 8232 Workers' Comp Costs

- Forklift safety is the top priority for lumber yard operations
- Separate retail store employees under code 8058
- MVR checks are required for delivery drivers

## Safety Recommendations for Class Code 8232

- Provide comprehensive training on safe lifting techniques for heavy lumber and building materials.
- Implement strict forklift safety protocols, including certification and load stability training.
- Ensure employees wear appropriate personal protective equipment (PPE) like hard hats, gloves, and safety footwear.
- Maintain clear and organized storage areas to prevent falling material hazards.

## Get a Quote for Class Code 8232

Contact Bright Coast Insurance for a workers' comp quote for class code 8232 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 #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) 323-0785 | 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.*