# 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

---

# Workers' Comp Class Code 0008 — Farm - Vegetable & Drivers (NC)

**Class Code:** 0008  
**Description:** Farm - Vegetable & Drivers  
**State:** NC  
**Rate:** $0.88 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

---

## What Is Class Code 0008?

Class code 0008 applies to vegetable farming operations and their drivers. This includes field preparation, planting, cultivating, harvesting, and packing of vegetables. In Florida, this classification is especially common in the Immokalee, Homestead, and Belle Glade agricultural regions, where tomatoes, peppers, cucumbers, and other vegetables are grown on a commercial scale. Workers face risks from equipment operation, repetitive motion, heat exposure, and chemical handling.

## Who Does Class Code 0008 Apply To?

Field laborers, harvest workers, irrigation workers, equipment operators, and drivers who transport vegetables from the farm.

## Florida Examples — Class Code 0008

A 15-person vegetable farm in Belle Glade, Florida, growing sweet corn and green beans for local markets. A large-scale tomato operation in Immokalee with 50 seasonal workers harvesting and packing produce for distribution across the Southeast.

## How to Calculate Workers' Comp Premium for Class Code 0008

**Formula:** (Annual Payroll ÷ 100) × $0.88 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $704 | $880 | $1056 |
| $250,000 | $1760 | $2200 | $2640 |
| $500,000 | $3520 | $4400 | $5280 |
| $1,000,000 | $7040 | $8800 | $10560 |

## Tips for Managing Class Code 0008 Workers' Comp Costs

- Pay-as-you-go workers comp is ideal for seasonal agricultural operations
- Separate supervisory and clerical staff under appropriate lower-rated codes
- Heat stroke prevention is critical — document your heat illness prevention plan
- Verify that farm labor contractors carry their own workers comp coverage

## Safety Recommendations for Class Code 0008

- Implement a heat illness prevention program, including mandatory water breaks, shaded rest areas, and acclimatization schedules.
- Provide ergonomic tools and training to reduce strain from repetitive harvesting tasks.
- Ensure all farm equipment is regularly inspected and maintained to prevent accidents.
- Provide adequate sanitation facilities and encourage frequent handwashing to prevent the spread of illness.

## Get a Quote for Class Code 0008

Contact Bright Coast Insurance for a workers' comp quote for class code 0008 in NC:

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



---

## 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.*