# 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 8044 — Store - Furniture & Drivers (MI)

**Class Code:** 8044  
**Description:** Store - Furniture & Drivers  
**State:** MI  
**Rate:** $1.75 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8044?

Class code 8044 covers furniture store retail operations and their drivers, including showroom sales, delivery, and assembly services. Work involves customer service, furniture display, delivery driving, and in-home furniture assembly. Hazards include musculoskeletal strain from moving heavy furniture, motor vehicle accidents for delivery drivers, and customer home delivery injuries.

## Who Does Class Code 8044 Apply To?

Furniture sales associates, delivery drivers, and assembly technicians.

## Florida Examples — Class Code 8044

For class code 8044, real-world examples include: A furniture showroom in Boca Raton with a dedicated delivery team serving residential customers. A large furniture retailer in Jacksonville offering assembly services and white-glove delivery.

## How to Calculate Workers' Comp Premium for Class Code 8044

**Formula:** (Annual Payroll ÷ 100) × $1.75 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1400 | $1750 | $2100 |
| $250,000 | $3500 | $4375 | $5250 |
| $500,000 | $7000 | $8750 | $10500 |
| $1,000,000 | $14000 | $17500 | $21000 |

## Tips for Managing Class Code 8044 Workers' Comp Costs

- Two-person lift requirements for heavy furniture reduce back injury claims
- MVR checks are essential for delivery drivers
- Separate warehouse operations under code 8292 if applicable

## Safety Recommendations for Class Code 8044

- Provide comprehensive training on safe lifting and moving techniques for heavy furniture.
- Ensure proper use of dollies, hand trucks, and other moving equipment.
- Implement defensive driving training for delivery personnel and regular vehicle maintenance.
- Require employees to wear appropriate safety footwear to prevent foot injuries.

## Get a Quote for Class Code 8044

Contact Bright Coast Insurance for a workers' comp quote for class code 8044 in MI:

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



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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.*