# 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 8832 — Medical Offices, Physician (IL)

**Class Code:** 8832  
**Description:** Medical Offices, Physician  
**State:** IL  
**Rate:** $0.18 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8832?

Class code 8832 covers medical office and physician practice operations, including doctor's offices, medical clinics, and outpatient medical practices. Work involves patient care, medical procedures, administrative functions, and medical record management. Hazards include needlestick injuries (a significant exposure for clinical staff), patient handling, and exposure to infectious diseases. Florida's large healthcare sector makes this a major classification.

## Who Does Class Code 8832 Apply To?

Physicians, medical assistants, nurses, receptionists, and billing staff in outpatient settings.

## Florida Examples — Class Code 8832

A small, 5-employee dermatology practice in Boca Raton offering cosmetic and medical procedures. A large multi-specialty clinic in Orlando with 50+ staff, including primary care physicians, specialists, and a full administrative team.

## How to Calculate Workers' Comp Premium for Class Code 8832

**Formula:** (Annual Payroll ÷ 100) × $0.18 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $144 | $180 | $216 |
| $250,000 | $360 | $450 | $540 |
| $500,000 | $720 | $900 | $1080 |
| $1,000,000 | $1440 | $1800 | $2160 |

## Tips for Managing Class Code 8832 Workers' Comp Costs

- Needlestick prevention programs including safety-engineered devices are required by OSHA
- Bloodborne pathogen training and hepatitis B vaccination are mandatory
- Separate hospital operations under code 8833 or 9040
- Patient handling training reduces musculoskeletal claims for clinical staff

## Safety Recommendations for Class Code 8832

- Implement a comprehensive sharps safety program, including the use of safety-engineered devices and proper disposal protocols.
- Ensure all spills are cleaned up immediately and use non-slip mats in high-traffic areas to prevent falls.
- Provide ergonomic workstations and training to administrative staff to reduce the risk of repetitive strain injuries.
- Train all staff on proper patient handling and lifting techniques to prevent back injuries.

## Get a Quote for Class Code 8832

Contact Bright Coast Insurance for a workers' comp quote for class code 8832 in IL:

- **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/il](https://brightcoastins.com/workers-comp-codes/il)



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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.*