# 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 5509 — Street or Road Maintenance (FL)

**Class Code:** 5509  
**Description:** Street or Road Maintenance  
**State:** FL  
**Rate:** $5.94 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5509?

Class code 5509 covers street and road maintenance operations, including pothole repair, crack sealing, line striping, and general road maintenance. This is one of the higher-rated road construction codes due to the significant traffic exposure of maintenance workers.

## Who Does Class Code 5509 Apply To?

Road maintenance workers, pothole repair crews, and line striping workers.

## Florida Examples — Class Code 5509

A municipal public works department in Tampa performing routine pothole repair and crack sealing on city streets. A specialized contractor in Jacksonville providing line striping and road marking services for highways.

## How to Calculate Workers' Comp Premium for Class Code 5509

**Formula:** (Annual Payroll ÷ 100) × $5.94 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4752 | $5940 | $7128 |
| $250,000 | $11880 | $14850 | $17820 |
| $500,000 | $23760 | $29700 | $35640 |
| $1,000,000 | $47520 | $59400 | $71280 |

## Tips for Managing Class Code 5509 Workers' Comp Costs

- Traffic control and high-visibility PPE are critical for road maintenance workers
- Heat illness prevention is important for Florida road maintenance workers

## Safety Recommendations for Class Code 5509

- Implement robust traffic control plans, including proper signage, cones, and flaggers.
- Ensure all workers wear high-visibility clothing and utilize vehicle warning lights.
- Train employees on ergonomic practices for manual tasks like shoveling and raking.
- Provide respirators for asphalt fume exposure and implement heat stress prevention measures.

## Get a Quote for Class Code 5509

Contact Bright Coast Insurance for a workers' comp quote for class code 5509 in FL:

- **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/fl](https://brightcoastins.com/workers-comp-codes/fl)



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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.*