# 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 5474 — Painting or Paperhanging NOC (SC)

**Class Code:** 5474  
**Description:** Painting or Paperhanging NOC  
**State:** SC  
**Rate:** $3.90 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5474?

Class code 5474 covers painting and paperhanging work not otherwise classified, including interior and exterior painting of buildings, spray painting, and wallpaper installation. Painting is one of the most common construction trades in Florida. Work involves preparing surfaces, applying paint by brush, roller, or spray, and working from ladders and scaffolding. Hazards include falls from heights, solvent exposure from oil-based paints and coatings, and lead paint exposure in older buildings.

## Who Does Class Code 5474 Apply To?

Painters, paperhangers, spray painters, and painting helpers.

## Florida Examples — Class Code 5474

A residential painting contractor in Sarasota painting interior and exterior surfaces of homes. A commercial painting company in Tampa spray-painting large industrial structures and applying specialized coatings.

## How to Calculate Workers' Comp Premium for Class Code 5474

**Formula:** (Annual Payroll ÷ 100) × $3.90 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3120 | $3900 | $4680 |
| $250,000 | $7800 | $9750 | $11700 |
| $500,000 | $15600 | $19500 | $23400 |
| $1,000,000 | $31200 | $39000 | $46800 |

## Tips for Managing Class Code 5474 Workers' Comp Costs

- Fall protection is the top priority for exterior painting and work at heights
- Lead paint testing is required before painting older buildings — OSHA RRP rule applies
- Solvent exposure from oil-based paints requires proper ventilation and respiratory protection
- Separate bridge painting under code 5037 — it has a much higher rate

## Safety Recommendations for Class Code 5474

- Ensure ladders and scaffolding are stable, properly erected, and inspected before each use.
- Provide adequate ventilation and respirators for working with paints and solvents.
- Ensure workers wear appropriate PPE, including gloves, eye protection, and protective clothing.
- Train employees on safe handling, storage, and disposal of paints and chemicals.

## Get a Quote for Class Code 5474

Contact Bright Coast Insurance for a workers' comp quote for class code 5474 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.*