# 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 8728 — Insurance - Outside Claim Adjusters (FL)

**Class Code:** 8728  
**Description:** Insurance - Outside Claim Adjusters  
**State:** FL  
**Rate:** $0.36 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8728?

Class code 8728 covers outside insurance claim adjusters who travel to loss sites to investigate and settle claims. Work involves driving to accident scenes, damaged properties, and medical facilities to assess losses. Hazards include motor vehicle accidents (the primary risk), slip-and-fall injuries at loss sites, and exposure to hazardous conditions at damaged properties.

## Who Does Class Code 8728 Apply To?

Field claims adjusters, independent adjusters, and catastrophe adjusters.

## Florida Examples — Class Code 8728

For class code 8728, real-world examples include: An independent claims adjuster in South Florida investigating hurricane damage claims. A field claims adjuster for a national insurer covering auto accidents across the state.

## How to Calculate Workers' Comp Premium for Class Code 8728

**Formula:** (Annual Payroll ÷ 100) × $0.36 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $287 | $359 | $431 |
| $250,000 | $718 | $898 | $1077 |
| $500,000 | $1436 | $1795 | $2154 |
| $1,000,000 | $2872 | $3590 | $4308 |

## Tips for Managing Class Code 8728 Workers' Comp Costs

- MVR checks and defensive driving training are critical for outside adjusters
- PPE is required when entering damaged or hazardous properties
- Separate inside claims staff under code 8723

## Safety Recommendations for Class Code 8728

- Provide defensive driving training for claims adjusters and ensure regular vehicle maintenance.
- Implement protocols for assessing and mitigating hazards at accident scenes and damaged properties.
- Provide training on conflict de-escalation and personal safety for interactions with claimants.
- Ensure adjusters have communication devices and emergency contact information for remote work.

## Get a Quote for Class Code 8728

Contact Bright Coast Insurance for a workers' comp quote for class code 8728 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.*