# 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 --- # Workers' Comp Class Code 8726 — Salespeople - Outside (FL) **Class Code:** 8726 **Description:** Salespeople - Outside **State:** FL **Rate:** $0.48 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 8726? Class code 8726 covers insurance company outside sales representatives and field agents who travel to client locations to sell and service insurance policies. This is a low-hazard classification primarily involving vehicle travel and office work. The primary risk is vehicle accidents during client visits. Florida's large insurance market makes this a common classification for independent agents and captive agency staff. ## Who Does Class Code 8726 Apply To? Insurance outside sales agents, field underwriters, loss control representatives, and claims adjusters who travel to client locations. ## Florida Examples — Class Code 8726 Businesses falling under NCCI class code 8726 in Florida include a diverse range of insurance operations where licensed agents engage in extensive travel to meet clients. For instance, 'Sunshine Builders Insurance,' a small independent agency in Tampa, employs five agents who routinely visit active construction sites across Hillsborough and Pinellas counties. These agents assess commercial liability and workers' compensation needs, often navigating various job site conditions. Similarly, 'Everglades Health Plans,' a medium-sized health insurance brokerage with offices in Miami, dispatches its team of twenty field agents daily to conduct in-home consultations and business presentations throughout Miami-Dade and Broward counties, assisting individuals and small to mid-sized businesses with health, dental, and vision policies. Another example is 'Citrus Financial Group,' a large life insurance provider headquartered in Orlando, which has a dedicated force of fifty field agents serving clients across Central Florida. These agents specialize in estate planning and retirement solutions, conducting appointments at clients' homes, offices, or local cafes in areas like Winter Park and Kissimmee, requiring significant travel to provide personalized financial advice and finalize complex insurance contracts. ## How to Calculate Workers' Comp Premium for Class Code 8726 **Formula:** (Annual Payroll ÷ 100) × $0.48 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $384 | $480 | $576 | | $250,000 | $960 | $1200 | $1440 | | $500,000 | $1920 | $2400 | $2880 | | $1,000,000 | $3840 | $4800 | $5760 | ## Tips for Managing Class Code 8726 Workers' Comp Costs - MVR screening for all employees who drive to client locations is essential - Distracted driving policies reduce the primary risk exposure for this classification - Ergonomic workstation setup reduces repetitive motion injuries for office-based work ## Safety Recommendations for Class Code 8726 - Implement a comprehensive defensive driving program for all field agents, emphasizing safe driving practices, regular vehicle maintenance, and awareness of Florida's diverse road conditions to prevent auto accidents. - Provide ergonomic training and equipment, such as adjustable laptop stands and comfortable seating, for agents who frequently work from various client locations or temporary setups to reduce the risk of musculoskeletal injuries. - Develop clear protocols for agents visiting client premises, including hazard identification, personal safety awareness, and communication procedures, especially when entering unfamiliar environments like construction sites or private residences. - Ensure agents are equipped with secure digital tools and cybersecurity training to protect sensitive client data, mitigating risks associated with data breaches and identity theft during remote work and travel. ## Get a Quote for Class Code 8726 Contact Bright Coast Insurance for a workers' comp quote for class code 8726 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) --- ## 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.*