# 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 8264 — Stores - Variety - Retail (FL) **Class Code:** 8264 **Description:** Stores - Variety - Retail **State:** FL **Rate:** $3.82 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 8264? Class code 8264 covers wholesale paper or stationery supply employees, including warehouse workers, delivery drivers, and sales staff at paper product distributors. This classification covers businesses supplying paper goods, office supplies, and printing materials to businesses and institutions. Hazards include heavy lifting of paper reams and rolls, forklift operations, and delivery vehicle accidents. ## Who Does Class Code 8264 Apply To? Wholesale paper supply warehouse workers, forklift operators, delivery drivers, and counter sales staff. ## Florida Examples — Class Code 8264 Businesses falling under NCCI class code 8264 in Florida include a diverse range of wholesale paper and stationery supply operations. For instance, 'Sunshine Janitorial Supplies,' a large distributor based in Orlando, employs numerous warehouse workers and delivery drivers to service the region's extensive theme parks, hotels, and commercial cleaning companies, handling bulk orders of paper towels, toilet paper, and cleaning chemicals. Another example is 'Coastal Paper & Packaging,' a mid-sized wholesaler in Miami, which specializes in providing custom-branded paper products and packaging solutions to the vibrant hospitality sector, including luxury hotels and cruise lines operating out of PortMiami. Their order pickers meticulously prepare shipments, and their drivers navigate busy urban routes to ensure timely deliveries. Additionally, 'Everglades Office Solutions' in Tampa, a smaller, family-owned business, distributes office paper, printer cartridges, and general stationery to local businesses and schools, with their team managing inventory and fulfilling orders for both small and large clients across the Gulf Coast. ## How to Calculate Workers' Comp Premium for Class Code 8264 **Formula:** (Annual Payroll ÷ 100) × $3.82 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $3058 | $3822 | $4586 | | $250,000 | $7644 | $9555 | $11466 | | $500,000 | $15288 | $19110 | $22932 | | $1,000,000 | $30576 | $38220 | $45864 | ## Tips for Managing Class Code 8264 Workers' Comp Costs - Paper roll and ream handling requires proper lifting equipment to reduce back injury claims - Forklift safety programs are essential for warehouse operations - Separate clerical staff under code 8810 to reduce overall premium ## Safety Recommendations for Class Code 8264 - Implement comprehensive ergonomic training for all warehouse staff and order pickers to prevent musculoskeletal injuries from lifting, bending, and repetitive motions. Emphasize proper lifting techniques, the use of mechanical aids, and regular stretching. - Ensure all delivery drivers receive advanced defensive driving training and adhere to strict vehicle maintenance schedules to minimize the risk of road accidents. Regularly inspect delivery vehicles for issues with brakes, tires, and lights. - Maintain clear, well-lit, and unobstructed aisles in warehouses to prevent slips, trips, and falls. Promptly clean up spills and repair damaged flooring, and require all employees to wear appropriate non-slip footwear. - Establish and enforce strict protocols for forklift operation, including mandatory certification and daily equipment checks, to prevent collisions and injuries from falling objects. Clearly mark pedestrian walkways and use audible warnings for vehicle movement. ## Get a Quote for Class Code 8264 Contact Bright Coast Insurance for a workers' comp quote for class code 8264 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.*