# 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 2039 — Textile - Cotton Ginning (TX)

**Class Code:** 2039  
**Description:** Textile - Cotton Ginning  
**State:** TX  
**Rate:** $2.20 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## 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) × $2.20 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1760 | $2200 | $2640 |
| $250,000 | $4400 | $5500 | $6600 |
| $500,000 | $8800 | $11000 | $13200 |
| $1,000,000 | $17600 | $22000 | $26400 |

## 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 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)



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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.*