Class Code 8728 — Insurance - Outside Claim Adjusters

Florida Workers Compensation | NCCI Class Code 8728

What This Class Code Covers

Class code 8728 covers outside insurance claim adjusters who travel to loss sites to investigate and settle claims. Work involves driving to accident scenes, damaged properties, and medical facilities to assess losses. Hazards include motor vehicle accidents (the primary risk), slip-and-fall injuries at loss sites, and exposure to hazardous conditions at damaged properties.

Who Is Classified Under Code 8728

Field claims adjusters, independent adjusters, and catastrophe adjusters.

Florida Rate for Class Code 8728

The current Florida workers' compensation rate for class code 8728 is $0.36 per $100 payroll. This rate is used to calculate your annual premium: (Total Payroll ÷ 100) × Rate. Your actual premium may be adjusted by your experience modification rate (EMR) and any applicable credits or debits.

Examples of Businesses Under Code 8728

For class code 8728, real-world examples include: An independent claims adjuster in South Florida investigating hurricane damage claims. A field claims adjuster for a national insurer covering auto accidents across the state.

Common Claims for Class Code 8728

Common workers' comp claims for class code 8728 often involve: Vehicle accidents during travel to claim sites, leading to severe injuries or fatalities. Slips and falls at accident scenes or damaged properties, resulting in fractures or head injuries. Assaults or threats from claimants, potentially severe.

Premium Reduction Tips

  • MVR checks and defensive driving training are critical for outside adjusters
  • PPE is required when entering damaged or hazardous properties
  • Separate inside claims staff under code 8723

Get a Quote for Class Code 8728 in Florida

Bright Coast Insurance provides workers' compensation quotes for class code 8728 in Florida. Call or text (239) 323-0785 or request a free quote online. We serve businesses statewide with same-day certificates of insurance available for qualifying accounts.

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