# 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

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# Workers' Comp Class Code 8263 — JUNK DEALER (FL)

**Class Code:** 8263  
**Description:** JUNK DEALER  
**State:** FL  
**Rate:** $4.674 per $100 of payroll  
**Source:** FWCJUA (FL assigned-risk) 2026 rate, effective January 1, 2026. Source: https://www.fwcjua.com/Rates. This is not a voluntary-market rate.

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## What Is Class Code 8263?

Class code 8263 is Junk Dealer: businesses that buy, sort, store, and resell scrap and salvage material from a yard or warehouse. Payroll for yard workers, sorters, equipment operators, and drivers who haul material for the business typically falls here.

## Who Does Class Code 8263 Apply To?

Junk and salvage yard workers, sorters, loader and forklift operators, and drivers hauling scrap for the dealer.

## How to Calculate Workers' Comp Premium for Class Code 8263

**Formula:** (Annual Payroll ÷ 100) × $4.674 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3739 | $4674 | $5609 |
| $250,000 | $9348 | $11685 | $14022 |
| $500,000 | $18696 | $23370 | $28044 |
| $1,000,000 | $37392 | $46740 | $56088 |

## Tips for Managing Class Code 8263 Workers' Comp Costs

- Keep office-only staff on a separate clerical class so their payroll isn't reported under 8263
- Track which drivers and yard workers do what, since an auditor will ask how payroll splits across tasks
- Keep certificates of insurance on file for any outside haulers you pay

## Get a Quote for Class Code 8263

Contact Bright Coast Insurance for a workers' comp quote for class code 8263 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)



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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) 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.*