# 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 8864 — Social Services Employees, Salespersons, Drivers (FL)

**Class Code:** 8864  
**Description:** Social Services Employees, Salespersons, Drivers  
**State:** FL  
**Rate:** $0.82 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8864?

Class code 8864 covers social services employees, including social workers, case managers, and outreach workers who provide social services to clients in office and field settings. Work involves client assessment, counseling, home visits, and community outreach. Hazards include workplace violence from clients in crisis (a significant risk for social workers), motor vehicle accidents during home visits, and exposure to unsafe client environments.

## Who Does Class Code 8864 Apply To?

Social workers, case managers, outreach workers, and social services administrative staff.

## Florida Examples — Class Code 8864

A non-profit social services agency in Orlando with 20 case managers who conduct home visits for at-risk families. A community outreach organization in Tampa providing support services to the homeless population.

## How to Calculate Workers' Comp Premium for Class Code 8864

**Formula:** (Annual Payroll ÷ 100) × $0.82 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $653 | $816 | $979 |
| $250,000 | $1632 | $2040 | $2448 |
| $500,000 | $3264 | $4080 | $4896 |
| $1,000,000 | $6528 | $8160 | $9792 |

## Tips for Managing Class Code 8864 Workers' Comp Costs

- Workplace violence prevention training is critical for social services workers
- MVR checks are required for staff who make home visits
- Buddy systems and check-in procedures improve safety for field workers

## Safety Recommendations for Class Code 8864

- Implement a vehicle safety program and ensure employees have valid licenses and insurance.
- Provide de-escalation and personal safety training for field staff.
- Establish a buddy system or a check-in/check-out procedure for all home visits.
- Offer access to employee assistance programs (EAPs) for mental health and stress management.

## Get a Quote for Class Code 8864

Contact Bright Coast Insurance for a workers' comp quote for class code 8864 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.*