# 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 8842 — Group Homes - All Employees & Salespersons, Drivers (FL)

**Class Code:** 8842  
**Description:** Group Homes - All Employees & Salespersons, Drivers  
**State:** FL  
**Rate:** $1.59 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8842?

Class code 8842 covers group home operations, including residential facilities for individuals with developmental disabilities, mental health conditions, or substance use disorders. Work involves providing personal care, behavioral support, and daily living assistance to residents. Hazards include workplace violence from residents with behavioral challenges (a leading cause of claims), patient handling injuries, and exposure to infectious diseases.

## Who Does Class Code 8842 Apply To?

Direct support professionals, residential counselors, and group home staff.

## Florida Examples — Class Code 8842

A direct support professional caring for adults with developmental disabilities in a 6-person group home in Gainesville. A residential counselor at a substance abuse recovery home in Miami.

## How to Calculate Workers' Comp Premium for Class Code 8842

**Formula:** (Annual Payroll ÷ 100) × $1.59 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1272 | $1590 | $1908 |
| $250,000 | $3180 | $3975 | $4770 |
| $500,000 | $6360 | $7950 | $9540 |
| $1,000,000 | $12720 | $15900 | $19080 |

## Tips for Managing Class Code 8842 Workers' Comp Costs

- Behavioral intervention training significantly reduces workplace violence claims
- Safe patient handling training reduces musculoskeletal claims
- Separate professional clinical staff under appropriate healthcare codes

## Safety Recommendations for Class Code 8842

- Provide comprehensive training on crisis prevention and intervention (CPI) techniques.
- Develop and consistently follow individualized behavior support plans for each resident.
- Ensure the physical environment is free of potential weapons and that staff have access to a panic button or communication device.
- Offer regular debriefing sessions and mental health support for staff to manage stress.

## Get a Quote for Class Code 8842

Contact Bright Coast Insurance for a workers' comp quote for class code 8842 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.*