# 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 8265 — Store - Wholesale Lumber (FL) **Class Code:** 8265 **Description:** Store - Wholesale Lumber **State:** FL **Rate:** $3.22 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 8265? Class code 8265 covers wholesale lumber yard employees, including yard workers who handle and sort lumber, forklift operators, and counter sales staff. Florida's construction industry creates strong demand for wholesale lumber distribution, particularly in high-growth markets like Tampa Bay, Orlando, and Southwest Florida. Lumber yard work involves significant physical hazards from heavy material handling and equipment operation. ## Who Does Class Code 8265 Apply To? Lumber yard workers, forklift operators, crane operators, counter sales staff, and delivery drivers at wholesale lumber yards. ## Florida Examples — Class Code 8265 Businesses falling under NCCI class code 8265 in Florida include large-scale operations like "Sunshine Lumber & Supply" in Orlando, a major wholesaler providing materials to hundreds of residential construction projects across Central Florida. This company employs dozens of yard workers who meticulously sort and stack various timber products, a team of certified forklift operators efficiently moving heavy loads, and a fleet of delivery drivers ensuring timely distribution to job sites from Kissimmee to Daytona Beach. Another example is "Treasure Coast Timber Distributors" based in Port St. Lucie, a medium-sized enterprise specializing in hurricane-resistant lumber for coastal developments. Their operations involve extensive handling of pressure-treated wood, with yard staff and drivers navigating busy construction zones from Vero Beach down to Jupiter. These businesses are crucial suppliers to Florida's rapidly expanding housing market, requiring robust workers' compensation coverage for their diverse workforce involved in material handling and logistics. ## How to Calculate Workers' Comp Premium for Class Code 8265 **Formula:** (Annual Payroll ÷ 100) × $3.22 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $2574 | $3218 | $3862 | | $250,000 | $6436 | $8045 | $9654 | | $500,000 | $12872 | $16090 | $19308 | | $1,000,000 | $25744 | $32180 | $38616 | ## Tips for Managing Class Code 8265 Workers' Comp Costs - Lumber handling equipment (forklifts, cranes) requires certified operators - Personal protective equipment including hard hats and steel-toed boots are essential - Separate delivery drivers under a driver classification if they operate company vehicles - Implement formal safety programs — lumber yards have above-average injury rates ## Safety Recommendations for Class Code 8265 - Ensure all forklift operators are properly trained and certified, conducting daily equipment inspections to prevent mechanical failures and tip-overs, which are common causes of serious injuries in lumber yards. - Implement strict protocols for safe lifting and material handling, providing ergonomic training and mechanical aids to reduce strains, sprains, and back injuries among yard workers. - Mandate the use of appropriate personal protective equipment (PPE), including hard hats, safety glasses, steel-toed boots, and gloves, to protect against falling objects, splinters, and foot injuries. - Establish clear traffic management plans within the yard and during deliveries, separating pedestrian walkways from vehicle routes and using spotters to prevent collisions with forklifts and delivery trucks. ## Get a Quote for Class Code 8265 Contact Bright Coast Insurance for a workers' comp quote for class code 8265 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.*