# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | 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 8395 — Store - Wholesale Hardware (FL)

**Class Code:** 8395  
**Description:** Store - Wholesale Hardware  
**State:** FL  
**Rate:** $1.20 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8395?

Class code 8395 covers wholesale hardware store employees, including warehouse workers, counter sales staff, and delivery drivers at wholesale hardware distributors. These businesses supply tools, fasteners, and hardware products to retailers and contractors in bulk. Florida's active construction market creates strong demand for wholesale hardware distribution. Hazards include heavy lifting, forklift operations, and delivery vehicle accidents.

## Who Does Class Code 8395 Apply To?

Wholesale hardware warehouse workers, counter sales staff, forklift operators, delivery drivers, and receiving clerks.

## How to Calculate Workers' Comp Premium for Class Code 8395

**Formula:** (Annual Payroll ÷ 100) × $1.20 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $960 | $1200 | $1440 |
| $250,000 | $2400 | $3000 | $3600 |
| $500,000 | $4800 | $6000 | $7200 |
| $1,000,000 | $9600 | $12000 | $14400 |

## Tips for Managing Class Code 8395 Workers' Comp Costs

- Forklift certification programs reduce the most common severe injury type
- Ergonomic lifting programs for heavy hardware products reduce back injury claims
- Separate outside sales representatives under code 8742 to reduce premium

## Get a Quote for Class Code 8395

Contact Bright Coast Insurance for a workers' comp quote for class code 8395 in FL:

- **Phone:** (239) 323-0785
- **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 #L132181) 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) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*