# 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 8869 — Child Care Center (FL)

**Class Code:** 8869  
**Description:** Child Care Center  
**State:** FL  
**Rate:** $0.93 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8869?

Class code 8869 covers child care center operations, including daycare centers, preschools, and after-school programs. Work involves supervising and caring for children, preparing educational activities, and managing the facility. Hazards include lifting children (a significant cause of back injuries), exposure to childhood illnesses, and slip-and-fall injuries. Florida's large population of young families makes child care a significant industry.

## Who Does Class Code 8869 Apply To?

Child care teachers, aides, directors, and support staff.

## Florida Examples — Class Code 8869

A privately-owned preschool in a Miami suburb with 15 staff members caring for 50 children. A national daycare chain with multiple locations across Florida, each employing 20-30 caregivers.

## How to Calculate Workers' Comp Premium for Class Code 8869

**Formula:** (Annual Payroll ÷ 100) × $0.93 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $747 | $934 | $1121 |
| $250,000 | $1868 | $2335 | $2802 |
| $500,000 | $3736 | $4670 | $5604 |
| $1,000,000 | $7472 | $9340 | $11208 |

## Tips for Managing Class Code 8869 Workers' Comp Costs

- Lifting technique training for child care workers reduces back injury claims
- Immunization requirements for staff reduce infectious disease exposure
- Separate administrative and clerical staff under code 8810

## Safety Recommendations for Class Code 8869

- Train all staff on proper lifting techniques, emphasizing using their legs and keeping children close to their body.
- Enforce strict handwashing and sanitation protocols for both children and staff.
- Implement a 'clean-as-you-go' policy to keep floors clear of toys and other tripping hazards.
- Ensure that child-sized furniture is used by children only, not by adult staff.

## Get a Quote for Class Code 8869

Contact Bright Coast Insurance for a workers' comp quote for class code 8869 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.*