# 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 8045 — Store - Drug Retail (TX)

**Class Code:** 8045  
**Description:** Store - Drug Retail  
**State:** TX  
**Rate:** $0.65 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 8045?

Class code 8045 covers drug store and pharmacy retail operations, including pharmacies, drug stores, and health and beauty retailers. Work involves customer service, prescription filling, stocking, and managing controlled substances. Hazards include robbery-related injuries, ergonomic strain from standing and repetitive tasks, and chemical exposure from pharmaceutical products.

## Who Does Class Code 8045 Apply To?

Pharmacists, pharmacy technicians, retail sales associates, and store managers.

## Florida Examples — Class Code 8045

For class code 8045, real-world examples include: A community pharmacy in St. Petersburg providing prescription services and over-the-counter medications. A large drug store chain in Orlando with a drive-thru pharmacy and extensive health and beauty sections.

## How to Calculate Workers' Comp Premium for Class Code 8045

**Formula:** (Annual Payroll ÷ 100) × $0.65 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $520 | $650 | $780 |
| $250,000 | $1300 | $1625 | $1950 |
| $500,000 | $2600 | $3250 | $3900 |
| $1,000,000 | $5200 | $6500 | $7800 |

## Tips for Managing Class Code 8045 Workers' Comp Costs

- Security protocols reduce robbery-related claims at pharmacy operations
- Anti-fatigue mats reduce lower extremity strain for standing pharmacists
- Separate delivery operations under code 7380

## Safety Recommendations for Class Code 8045

- Provide ergonomic workstations for pharmacists and technicians to reduce repetitive strain.
- Implement strict protocols for handling and disposing of hazardous medications.
- Ensure floors are kept clean and dry to prevent slips and falls.

## Get a Quote for Class Code 8045

Contact Bright Coast Insurance for a workers' comp quote for class code 8045 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.*