# 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 8824 — Health Care Facility - Home/Aged Not Professional (FL)

**Class Code:** 8824  
**Description:** Health Care Facility - Home/Aged Not Professional  
**State:** FL  
**Rate:** $2.11 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

---

## What Is Class Code 8824?

Class code 8824 covers home health care and aged care facilities for non-professional staff, including home health aides, personal care attendants, and non-clinical staff at assisted living facilities. Work involves assisting elderly and disabled clients with daily living activities, personal care, and mobility. Florida's large elderly population makes this a significant and growing classification. Hazards include patient handling injuries (the leading cause of claims), exposure to infectious diseases, and workplace violence.

## Who Does Class Code 8824 Apply To?

Home health aides, personal care attendants, and non-clinical assisted living staff.

## Florida Examples — Class Code 8824

For class code 8824, real-world examples include: A home health care agency in St. Petersburg providing in-home assistance to elderly clients. A small assisted living facility in Naples employing non-clinical staff for resident care.

## How to Calculate Workers' Comp Premium for Class Code 8824

**Formula:** (Annual Payroll ÷ 100) × $2.11 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1686 | $2108 | $2530 |
| $250,000 | $4216 | $5270 | $6324 |
| $500,000 | $8432 | $10540 | $12648 |
| $1,000,000 | $16864 | $21080 | $25296 |

## Tips for Managing Class Code 8824 Workers' Comp Costs

- Patient handling equipment and safe patient handling programs significantly reduce musculoskeletal claims
- Bloodborne pathogen training and vaccination programs are required
- Separate professional nursing staff under code 8835 or 8841
- Florida's growing senior population makes this a high-volume classification

## Safety Recommendations for Class Code 8824

- Provide comprehensive training on safe patient lifting and transfer techniques.
- Implement protocols for identifying and mitigating fall hazards in client homes.
- Ensure employees are trained in infection control and proper use of personal protective equipment (PPE).
- Provide training on recognizing and responding to aggressive client behavior.

## Get a Quote for Class Code 8824

Contact Bright Coast Insurance for a workers' comp quote for class code 8824 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.*