# 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 8291 — Storage Warehouse - Cold (FL)

**Class Code:** 8291  
**Description:** Storage Warehouse - Cold  
**State:** FL  
**Rate:** $2.97 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8291?

Class code 8291 covers cold storage warehouse operations, including public refrigerated warehouses storing food and other temperature-sensitive products. Work involves operating forklifts and pallet jacks in cold environments, managing inventory, and maintaining refrigeration systems. Hazards include cold temperature exposure, forklift operations, and slip-and-fall on icy floors.

## Who Does Class Code 8291 Apply To?

Cold storage warehouse workers, forklift operators, and refrigeration technicians.

## Florida Examples — Class Code 8291

For class code 8291, real-world examples include: A cold storage warehouse in Lakeland storing frozen seafood and other perishable goods. A refrigerated distribution center in Orlando handling temperature-controlled logistics for food companies.

## How to Calculate Workers' Comp Premium for Class Code 8291

**Formula:** (Annual Payroll ÷ 100) × $2.97 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2378 | $2973 | $3568 |
| $250,000 | $5946 | $7433 | $8919 |
| $500,000 | $11892 | $14865 | $17838 |
| $1,000,000 | $23784 | $29730 | $35676 |

## Tips for Managing Class Code 8291 Workers' Comp Costs

- Cold stress prevention programs are critical for cold storage operations
- Forklift safety programs must address cold-weather equipment performance
- Anti-slip flooring and footwear reduce fall claims in cold environments

## Safety Recommendations for Class Code 8291

- Provide insulated clothing and regular warm-up breaks for employees working in cold environments.
- Ensure floors are treated with anti-slip coatings and kept free of ice buildup.
- Implement strict forklift safety protocols, including cold-weather operation procedures.
- Provide training on recognizing and treating symptoms of frostbite and hypothermia.

## Get a Quote for Class Code 8291

Contact Bright Coast Insurance for a workers' comp quote for class code 8291 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.*