Boat Mfg - Fiberglass
Florida Workers' Compensation Class Code 3303 • FWCJUA / NCCI • Effective 2025-01-01
Current Rate
$2.95
per $100 of payroll
FWCJUA / NCCI 2025-01-01
What is Class Code 3303?
Class code 3303 covers fiberglass boat manufacturing, including the production of fiberglass hulls, decks, and components using hand layup, spray-up, and resin infusion processes. Florida is home to a significant marine manufacturing industry, particularly in the Fort Lauderdale and Tampa Bay areas. Work involves handling fiberglass mat and woven roving, mixing and applying polyester and epoxy resins, and grinding and finishing fiberglass parts. Hazards include respiratory exposure to styrene vapors and fiberglass dust, skin sensitization from resins, and grinding injuries.
Who is Covered Under This Code?
Fiberglass laminators, gelcoat sprayers, grinders, and boat assemblers.
Tips to Reduce Your Premium
- Styrene exposure monitoring is required in open-mold fiberglass operations
- Respiratory protection and skin protection programs are essential
- Separate any boat repair operations under code 6834
Real-World Examples
This class code applies to boat manufacturers like a 50-person facility in Sarasota specializing in custom fiberglass fishing boats, or a larger operation in Fort Lauderdale producing a line of recreational powerboats. It also covers smaller shops in the Panhandle that fabricate fiberglass components for larger boat builders or perform specialized repairs.
Common Claim Scenarios
Common claims include respiratory issues and skin irritation from exposure to fiberglass dust and resins, often leading to medical treatment and potential lost time. Musculoskeletal injuries such as strains and sprains from repetitive tasks or heavy lifting are also frequent, sometimes requiring physical therapy or surgery. Burns from chemical exposure or contact with hot molds can occur, ranging from minor to severe.
Safety & Loss Prevention
- Implement robust ventilation systems and provide appropriate respirators (e.g., N95 or P100) for all employees working with fiberglass and resins to prevent respiratory issues.
- Ensure proper ergonomic training and provide lifting aids or team lifting protocols to reduce musculoskeletal strain during material handling and component assembly.
- Provide comprehensive personal protective equipment (PPE) including chemical-resistant gloves, eye protection, and protective clothing to minimize skin and eye exposure to hazardous materials.
- Establish clear emergency procedures and provide readily accessible eyewash stations and safety showers in areas where chemical exposure is a risk.
Frequently Asked Questions
What is workers comp class code 3303?
Class code 3303 covers fiberglass boat manufacturing, including the production of fiberglass hulls, decks, and components using hand layup, spray-up, and resin infusion processes. Florida is home to a significant marine manufacturing industry, particularly in the Fort Lauderdale and Tampa Bay areas. Work involves handling fiberglass mat and woven roving, mixing and applying polyester and epoxy resins, and grinding and finishing fiberglass parts. Hazards include respiratory exposure to styrene vapors and fiberglass dust, skin sensitization from resins, and grinding injuries.
What is the workers comp rate for class code 3303 in Florida?
The current workers' compensation rate for class code 3303 in Florida is $2.95 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 3303?
Fiberglass laminators, gelcoat sprayers, grinders, and boat assemblers.
How can I reduce my workers comp premium for class code 3303 in Florida?
Styrene exposure monitoring is required in open-mold fiberglass operations Respiratory protection and skin protection programs are essential Separate any boat repair operations under code 6834
Do I need workers comp insurance for employees classified under code 3303 in Florida?
Yes. Florida requires most employers to carry workers' compensation insurance for their employees. Class code 3303 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 3303 in FL.
Quick Facts
- Class Code
- 3303
- State
- Florida
- Rate per $100
- $2.95
- Rating Org
- FWCJUA / NCCI
- Effective
- 2025-01-01
Related Class Codes
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