# 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 0005 — Farm - Nursery Employees & Drivers (TX) **Class Code:** 0005 **Description:** Farm - Nursery Employees & Drivers **State:** TX **Rate:** $2.40 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 0005? Class code 0005 covers nursery employees and their drivers who cultivate, grow, and sell plants, trees, shrubs, and related horticultural products. Work includes propagating plants in greenhouses, transplanting seedlings, maintaining growing beds, loading and unloading plant stock, and operating nursery equipment. Florida's year-round growing season makes this a significant classification in the state, particularly in areas like Homestead, Plant City, and the Treasure Coast. ## Who Does Class Code 0005 Apply To? Nursery workers, greenhouse employees, plant propagators, irrigation workers, nursery truck drivers, and supervisors who perform hands-on nursery work. ## Florida Examples — Class Code 0005 A small family-owned plant nursery in Homestead, Florida, employing 5 people who cultivate and sell ornamental plants. A large commercial tree farm near Ocala with 20 employees specializing in citrus trees for groves across Florida. ## How to Calculate Workers' Comp Premium for Class Code 0005 **Formula:** (Annual Payroll ÷ 100) × $2.40 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $1920 | $2400 | $2880 | | $250,000 | $4800 | $6000 | $7200 | | $500,000 | $9600 | $12000 | $14400 | | $1,000,000 | $19200 | $24000 | $28800 | ## Tips for Managing Class Code 0005 Workers' Comp Costs - Separate clerical and sales staff under code 8810 or 8742 to reduce overall premium - Implement heat illness prevention programs — Florida's climate increases heat-related claim risk - Ensure drivers are properly licensed and MVR-checked to avoid premium surcharges - Maintain OSHA-compliant pesticide handling procedures to reduce chemical exposure claims ## Safety Recommendations for Class Code 0005 - Provide proper training on safe lifting techniques and ergonomic practices for handling plants and materials. - Ensure all employees wear appropriate personal protective equipment (PPE), including gloves, long sleeves, and eye protection. - Implement a regular cleaning schedule to keep greenhouse floors dry and free of slip hazards. - Provide comprehensive training on pesticide and fertilizer handling, including proper mixing, application, and emergency procedures. ## Get a Quote for Class Code 0005 Contact Bright Coast Insurance for a workers' comp quote for class code 0005 in TX: - **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/tx](https://brightcoastins.com/workers-comp-codes/tx) --- ## 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.*