# 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 0106 — Tree Pruning & Drivers (SC)

**Class Code:** 0106  
**Description:** Tree Pruning & Drivers  
**State:** SC  
**Rate:** $7.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 0106?

Class code 0106 covers tree pruning, trimming, and removal operations. This is one of the highest-rated workers comp classifications due to the extreme fall risk associated with working at heights in trees, often with chainsaws and other cutting equipment. Tree work is consistently among the most dangerous occupations in the United States, with fatality rates far exceeding most other industries. In Florida, tree service companies are in constant demand due to storm damage, palm tree maintenance, and urban tree management.

## Who Does Class Code 0106 Apply To?

Arborists, tree climbers, tree trimmers, ground crew workers, chipper operators, and drivers who haul debris and equipment.

## Florida Examples — Class Code 0106

A 5-person tree removal service in Jacksonville, Florida, specializing in residential tree trimming and stump grinding. A commercial arborist company in Miami with 15 employees handling large-scale tree removal for municipalities and golf courses.

## How to Calculate Workers' Comp Premium for Class Code 0106

**Formula:** (Annual Payroll ÷ 100) × $7.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $5680 | $7100 | $8520 |
| $250,000 | $14200 | $17750 | $21300 |
| $500,000 | $28400 | $35500 | $42600 |
| $1,000,000 | $56800 | $71000 | $85200 |

## Tips for Managing Class Code 0106 Workers' Comp Costs

- ANSI Z133 safety standards compliance is essential — document all training and certifications
- ISA Certified Arborist credentials on your crew can support lower experience modification factors
- Separate stump grinding operations if they are performed by separate crews
- Ensure all subcontractors carry their own workers comp — this is a high-audit-risk code
- Pay-as-you-go workers comp is strongly recommended due to the high rate and variable payroll

## Safety Recommendations for Class Code 0106

- Provide rigorous training on safe climbing techniques, aerial lift operation, and proper rigging for tree removal.
- Mandate the use of full body harnesses, lanyards, and other fall protection equipment when working at heights.
- Ensure all chainsaws and chippers are properly maintained and employees are trained in their safe operation, including kickback prevention.
- Establish clear communication protocols and exclusion zones to protect ground crew from falling debris.

## Get a Quote for Class Code 0106

Contact Bright Coast Insurance for a workers' comp quote for class code 0106 in SC:

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



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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.*