# 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 8871 — Clerical Telecommuter Employees (FL)

**Class Code:** 8871  
**Description:** Clerical Telecommuter Employees  
**State:** FL  
**Rate:** $0.03 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8871?

Class code 8871 covers clerical telecommuter employees who work exclusively from home performing office functions. This classification was created to address the growing remote work population and applies to employees who do not come into the office. The rate is similar to 8810 but specifically addresses the home office environment. Florida's large remote workforce makes this an increasingly important classification.

## Who Does Class Code 8871 Apply To?

Remote clerical workers, work-from-home customer service representatives, and telecommuting administrative staff.

## Florida Examples — Class Code 8871

A customer service representative for a large online retailer, working entirely from their apartment in Jacksonville. A medical transcriptionist processing audio files for a hospital from a home office in Orlando.

## How to Calculate Workers' Comp Premium for Class Code 8871

**Formula:** (Annual Payroll ÷ 100) × $0.03 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $25 | $31 | $37 |
| $250,000 | $62 | $78 | $93 |
| $500,000 | $124 | $155 | $186 |
| $1,000,000 | $248 | $310 | $372 |

## Tips for Managing Class Code 8871 Workers' Comp Costs

- Employees must work exclusively from home to qualify for this classification
- Home office ergonomic assessments reduce repetitive strain claims
- Separate employees who occasionally come to the office under code 8810

## Safety Recommendations for Class Code 8871

- Provide a budget or reimbursement for employees to purchase ergonomic chairs, desks, and monitor stands.
- Offer virtual ergonomic assessments of employees' home workstations.
- Mandate regular breaks away from the screen, following the 20-20-20 rule (look at something 20 feet away for 20 seconds every 20 minutes).
- Provide clear guidelines on setting up a safe and comfortable home workspace.

## Get a Quote for Class Code 8871

Contact Bright Coast Insurance for a workers' comp quote for class code 8871 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.*