# 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

---

# Workers' Comp Class Code 2039 — Textile - Cotton Ginning (NC)

**Class Code:** 2039  
**Description:** Textile - Cotton Ginning  
**State:** NC  
**Rate:** $1.15 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

---

## What Is Class Code 2039?

Class code 2039 covers cabinet manufacturing operations, including the production of kitchen cabinets, bathroom vanities, and other built-in cabinetry. Work involves cutting sheet goods, assembling cabinet boxes, applying finishes, and installing hardware. This is a common classification in Florida's active construction and remodeling market.

## Who Does Class Code 2039 Apply To?

Cabinet makers, CNC operators, assemblers, finishers, and hardware installers.

## How to Calculate Workers' Comp Premium for Class Code 2039

**Formula:** (Annual Payroll ÷ 100) × $1.15 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $920 | $1150 | $1380 |
| $250,000 | $2300 | $2875 | $3450 |
| $500,000 | $4600 | $5750 | $6900 |
| $1,000,000 | $9200 | $11500 | $13800 |

## Tips for Managing Class Code 2039 Workers' Comp Costs

- CNC router safety and machine guarding are critical in modern cabinet shops
- Wood dust from MDF and particleboard is a significant respiratory hazard
- Separate installation crews under code 5437 if they work on job sites

## Get a Quote for Class Code 2039

Contact Bright Coast Insurance for a workers' comp quote for class code 2039 in NC:

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



---

## 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.*