# 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 8010 — Store - Hardware (TX)

**Class Code:** 8010  
**Description:** Store - Hardware  
**State:** TX  
**Rate:** $1.02 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8010?

Class code 8010 covers hardware store retail operations, including home improvement stores, building supply retailers, and tool and equipment dealers. Work involves customer service, stocking heavy merchandise, operating forklifts in the store, and managing lumber and building materials. Hazards include forklift operations, heavy merchandise handling, and cuts from tools and materials.

## Who Does Class Code 8010 Apply To?

Sales associates, stock clerks, forklift operators, and store managers.

## Florida Examples — Class Code 8010

For class code 8010, real-world examples include: A local hardware store in Gainesville with 10 employees, providing tools and supplies for DIY projects. A major home improvement retailer in Orlando, employing 50+ staff and offering lumber, plumbing, and electrical supplies.

## How to Calculate Workers' Comp Premium for Class Code 8010

**Formula:** (Annual Payroll ÷ 100) × $1.02 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $816 | $1020 | $1224 |
| $250,000 | $2040 | $2550 | $3060 |
| $500,000 | $4080 | $5100 | $6120 |
| $1,000,000 | $8160 | $10200 | $12240 |

## Tips for Managing Class Code 8010 Workers' Comp Costs

- Forklift safety programs are critical for hardware store operations
- Heavy merchandise handling training reduces back injury claims
- Separate lumber yard operations under code 8232 if applicable

## Safety Recommendations for Class Code 8010

- Provide comprehensive training on safe lifting techniques for heavy merchandise.
- Implement strict forklift safety protocols, including certification and daily inspections.
- Ensure employees wear appropriate personal protective equipment (PPE) like gloves and safety glasses.
- Maintain clear and organized aisles to prevent falling object hazards.

## Get a Quote for Class Code 8010

Contact Bright Coast Insurance for a workers' comp quote for class code 8010 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.*