# 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 3803 — Automobile Repair - All Employees (TX)

**Class Code:** 3803  
**Description:** Automobile Repair - All Employees  
**State:** TX  
**Rate:** $1.50 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 3803?

Class code 3803 covers automobile repair operations, including all employees at auto repair shops, dealership service departments, and specialty repair shops. Work involves diagnosing, repairing, and maintaining vehicles, including engine work, transmission repair, brake service, and electrical diagnostics. Hazards include chemical exposure from automotive fluids, burns from hot engines and exhaust, falls from lifts, and ergonomic injuries from working in awkward positions under vehicles.

## Who Does Class Code 3803 Apply To?

Auto mechanics, technicians, service advisors, parts counter staff, and all other employees at auto repair facilities.

## Florida Examples — Class Code 3803

This class code applies to businesses like a 5-bay independent auto repair shop in Orlando specializing in foreign car maintenance, a large Ford dealership service department in Jacksonville employing 30 technicians, or a small tire and brake shop in Miami with 4 employees.

## How to Calculate Workers' Comp Premium for Class Code 3803

**Formula:** (Annual Payroll ÷ 100) × $1.50 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1200 | $1500 | $1800 |
| $250,000 | $3000 | $3750 | $4500 |
| $500,000 | $6000 | $7500 | $9000 |
| $1,000,000 | $12000 | $15000 | $18000 |

## Tips for Managing Class Code 3803 Workers' Comp Costs

- Lift safety training and inspection programs reduce the risk of vehicle fall injuries
- Chemical exposure from brake dust, solvents, and automotive fluids requires proper PPE
- Separate any body repair operations under code 8393
- Ergonomic programs reduce back and shoulder injuries from working under vehicles

## Safety Recommendations for Class Code 3803

- Implement proper lifting techniques and provide ergonomic tools to reduce strains and sprains.
- Ensure all employees wear appropriate personal protective equipment (PPE), including gloves, safety glasses, and hearing protection.
- Regularly inspect and maintain all shop equipment and tools to prevent malfunctions and injuries.
- Provide clear pathways and maintain a clean, organized workspace to prevent slips, trips, and falls.

## Get a Quote for Class Code 3803

Contact Bright Coast Insurance for a workers' comp quote for class code 3803 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.*