Funeral Home
Florida Workers' Compensation Class Code 2835 • FWCJUA / NCCI • Effective 2025-01-01
Current Rate
$1.05
per $100 of payroll
FWCJUA / NCCI 2025-01-01
What is Class Code 2835?
Class code 2835 covers funeral home operations, including the preparation of deceased persons for burial, funeral services, and cemetery operations. Work involves embalming, cosmetology, casket handling, and conducting funeral services. Hazards include chemical exposure from embalming fluids (formaldehyde), bloodborne pathogen exposure, and heavy lifting when handling caskets and bodies.
Who is Covered Under This Code?
Funeral directors, embalmers, funeral home staff, and drivers who operate hearses.
Tips to Reduce Your Premium
- Formaldehyde exposure monitoring is required under OSHA standards
- Bloodborne pathogen training and PPE are mandatory for embalming staff
- Separate embalming staff under code 2836 if applicable
Real-World Examples
This class code applies to independent funeral homes, such as 'Johnson & Sons Funeral Home' in Orlando, which might employ 5-10 staff members for embalming, funeral arrangements, and hearse operations. It also covers larger operations like 'Evergreen Cemetery & Funeral Chapel' in Jacksonville, offering comprehensive funeral and cemetery services with a staff of 20 or more.
Common Claim Scenarios
Common claims include musculoskeletal injuries from lifting and moving caskets or deceased persons, such as back strains and shoulder sprains, which can be moderate to severe. Exposure to chemicals used in embalming can lead to respiratory issues or skin irritations, often resulting in minor to moderate claims requiring medical treatment. Slips and falls on polished floors or during outdoor cemetery work also occur, potentially causing fractures or concussions.
Safety & Loss Prevention
- Implement proper lifting techniques and provide mechanical aids for moving caskets and deceased persons to prevent back and shoulder injuries.
- Ensure adequate ventilation and provide personal protective equipment (PPE), including gloves and respirators, when handling embalming chemicals to mitigate exposure risks.
- Maintain clean, dry floors in all areas and provide slip-resistant footwear to reduce the risk of falls, especially in chapels and preparation rooms.
- Train drivers on safe vehicle operation, particularly for hearses, and ensure regular maintenance to prevent accidents during transport.
Frequently Asked Questions
What is workers comp class code 2835?
Class code 2835 covers funeral home operations, including the preparation of deceased persons for burial, funeral services, and cemetery operations. Work involves embalming, cosmetology, casket handling, and conducting funeral services. Hazards include chemical exposure from embalming fluids (formaldehyde), bloodborne pathogen exposure, and heavy lifting when handling caskets and bodies.
What is the workers comp rate for class code 2835 in Florida?
The current workers' compensation rate for class code 2835 in Florida is $1.05 per $100 of payroll, as set by FWCJUA / NCCI effective 2025-01-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 2835?
Funeral directors, embalmers, funeral home staff, and drivers who operate hearses.
How can I reduce my workers comp premium for class code 2835 in Florida?
Formaldehyde exposure monitoring is required under OSHA standards Bloodborne pathogen training and PPE are mandatory for embalming staff Separate embalming staff under code 2836 if applicable
Do I need workers comp insurance for employees classified under code 2835 in Florida?
Yes. Florida requires most employers to carry workers' compensation insurance for their employees. Class code 2835 employees must be covered. Penalties for non-compliance in Florida can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 323-0785 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 2835 in FL.
Quick Facts
- Class Code
- 2835
- State
- Florida
- Rate per $100
- $1.05
- Rating Org
- FWCJUA / NCCI
- Effective
- 2025-01-01
Related Class Codes
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