# 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 --- # Class 8264: used bottle, paper stock, rag, rubber and can recycling dealers 8264 is a recycling class. It covers dealers in used bottles, used paper stock and rags, and used rubber stock, plus beverage bottle and can recycling, all with their drivers. An earlier version of this page labeled 8264 "Stores - Variety - Retail", which has nothing to do with the code. Florida's FWCJUA table lists it as Bottle Dealer - Used. ## Verified facts about code 8264 - The FWCJUA (FL assigned-risk) 2026 rate for 8264 Bottle Dealer - Used is $3.822 per $100 of payroll. Florida is a rate state, so carrier pricing starts from the OIR-approved approved rate, then the carrier's deviation, schedule rating, premium discount and your experience mod. ([Florida Office of Insurance Regulation (I-File 25-055760, acknowledged January 26, 2026), published by FWCJUA](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046)) - FWCJUA (Florida Workers’ Compensation Joint Underwriting Association)'s 8264 suffixes are 01 Bottle Dealer-Used, 02 Paper Stock or Rag Dealer-Used, 03 Rubber Stock Dealer-Used and 04 Beverage Bottle or Can Recycling, each including drivers. ([Montana State Fund](https://montanastatefund.com/web/docs/class-codes-py2026.pdf)) - OSHA lists hazards common across recycling: traffic, moving machine parts, unexpected machine startup, lifting injuries, and slips, trips and falls. ([OSHA](https://www.osha.gov/green-jobs/recycling/)) - Metal scrap is classified separately: FWCJUA (Florida Workers’ Compensation Joint Underwriting Association) lists Iron or Steel Scrap Dealer & Drivers as 8265, and Junk Dealer & Drivers as 8263. ([Montana State Fund](https://montanastatefund.com/web/docs/class-codes-py2026.pdf)) ## Where 8264 sits among Florida's recycling and salvage classes | Class | Florida description | Rate | |---|---|---| | 8264 | BOTTLE DEALER - USED | $3.822 per $100 of payroll | | 8265 | IRON/STEEL SCRAP DEALER | $3.218 per $100 of payroll | | 8263 | JUNK DEALER | $4.674 per $100 of payroll | | 8103 | CLIPPINGS DEALER | $2.029 per $100 of payroll | FWCJUA (FL assigned-risk) 2026 rate, effective January 1, 2026: [OIR-acknowledged exhibit](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046), checked 2026-10-24. Florida is a rate state, so carrier pricing starts from the OIR-approved approved rate, then the carrier's deviation, schedule rating, premium discount and your experience mod. In the FWCJUA (FL assigned-risk) 2026 rates, 8264 is priced above the iron and steel scrap class (8265) and below the junk dealer class (8263). A yard that takes both paper stock and metal will see its premium move noticeably depending on how hours are split between 8264 and 8265, which is why carriers ask for receiving records by material. **Illustration (not a quote):** A can and bottle redemption yard has four sorters and balers and one route driver, with $150,000 in combined payroll. No mod applies yet (1.00). $150,000 ÷ 100 × $3.822 = $5,733; × mod 1.00 = $5,733. FWCJUA (assigned-risk) estimate: $16,224, before the $160 expense constant, $475 flat fee and minimum premium. ## Glass, paper, rubber and cans: the four 8264 streams Each suffix is a material stream: used bottles, used paper stock and rags, used rubber stock, and beverage containers taken in for recycling. The work is receiving loads, sorting by grade, compacting or baling, and shipping out to mills or processors. Drivers are written into every suffix. Route collection from businesses, and hauling bales to buyers, stay in 8264 rather than going to a trucking class. ## Recycling work that leaves 8264 Metal is the main boundary. Iron and steel scrap dealers are 8265, and general junk dealers are 8263. Dismantling vehicles for parts is listed by FWCJUA as Automobile Dismantling, 3821, at a higher rate. Rags that a dealer launders and sells as wiping cloths fall under 8103 suffix 02, not 8264. Collecting garbage or refuse in containers is 9403, a separate and much higher-priced Florida class. ## Workers whose payroll is reported in 8264 Typical roles under the four suffixes: - Sorter pulling contaminants off a paper stock line before the baler - Baler operator compressing corrugated cardboard into mill-ready bales - Yard worker separating glass by color for a bottle buyer - Route driver collecting used tires or rubber stock from shops - Attendant counting and crushing beverage cans at a redemption counter ## Balers, broken glass and yard traffic OSHA's recycling overview lists the hazards that cut across material streams: traffic in the yard, moving machine parts, machines that start up unexpectedly, lifting, and slips, trips and falls. A baler combines the two most serious ones, moving parts and unexpected startup, during jam-clearing. Broken glass and sharp can edges add cut exposure to the bottle and can suffixes. Paper stock adds weight: wet bales are heavy and hard to handle. ## Controls for a sorting and baling yard Matched to OSHA's recycling and lockout material: - Lock out balers and compactors before anyone clears a jam, following OSHA's control of hazardous energy program - Mark lanes so trucks and forklifts do not cross sorting stations - Issue cut-resistant gloves at glass and can sorting points - Use mechanical handling for wet paper bales instead of manual lifting ## 8264, 8265 or 8263? Sorting the salvage classes Mixed yards are where errors happen. A yard that takes cardboard and cans but also buys appliances and other metal may have duties that span 8264 and 8265, or a junk dealer operation in 8263. FWCJUA prices 8263 above 8264, so carriers ask for receipts by material. This page once called 8264 a variety store class. An employer that copied that label would be reporting recycling payroll under a retail description that no Florida class uses for 8264. ## Florida coverage rules for a recycling dealer Young sorters and seasonal help are common in recycling, and Florida's definition of employee names minors expressly, so they count toward the four-person threshold that applies to non-construction businesses. Yard owners who run the business through a corporation can keep themselves off the policy: an officer holding 10 percent or more of the shares files an exemption notice with the Department of Financial Services. ## Recycling yard questions about class 8264 **Is 8264 a retail store code?** No. FWCJUA lists 8264 as Bottle Dealer - Used, and FWCJUA's suffixes cover used bottles, paper stock and rags, rubber stock and beverage container recycling. **Does a can redemption center fit 8264?** Yes. the classification suffix 04 is Beverage Bottle or Can Recycling & Drivers. **What if the yard also buys scrap metal?** Iron and steel scrap dealing is 8265, and junk dealing is 8263. Payroll is assigned by the operations each employee actually performs. **How should a redemption yard describe mixed loads on the application?** Name the materials by the share of the load: bottles, paper, rubber, or metal. A single line that says recycling gives the carrier no way to separate a bottle dealer from a scrap dealer. ## Sources - Florida Office of Insurance Regulation (I-File 25-055760, acknowledged January 26, 2026), published by FWCJUA: [1-1-2026 Rate Filing: OIR Acknowledgement of Filed Rates, class rates effective January 1, 2026](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046) - Florida Workers' Compensation Joint Underwriting Association (FWCJUA): [2026 rates and minimum premiums by class, effective January 1, 2026](https://www.fwcjua.com/Rates) - Montana State Fund: [Classification Codes PY2026: classification phraseologies and suffixes](https://montanastatefund.com/web/docs/class-codes-py2026.pdf) - OSHA: [Green Job Hazards: Recycling](https://www.osha.gov/green-jobs/recycling/) - OSHA: [Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/control-hazardous-energy) - Florida Department of Financial Services, Division of Workers' Compensation: [Rule 69L-6.021, F.A.C.: Construction Industry Classification Codes, Descriptions, and Operations Scope of Exemption](https://www.flrules.org/gateway/ruleNo.asp?id=69L-6.021) - Florida Senate: [Section 440.02, Florida Statutes: Definitions (employment, employee, employer, exemptions)](https://www.flsenate.gov/Laws/Statutes/2025/440.02) - Florida Senate: [Section 440.05, Florida Statutes: Election of exemption; revocation; notice](https://www.flsenate.gov/Laws/Statutes/2025/440.05) --- ## 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.*