# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
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 7016 — Vessels NOC (FL)

**Class Code:** 7016  
**Description:** Vessels NOC  
**State:** FL  
**Rate:** $2.15 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7016?

Class code 7016 covers vessel operations not otherwise classified, including tugboats, barges, ferries, and other commercial watercraft. Work involves navigation, cargo handling, deck maintenance, and vessel operations. Florida's extensive waterway system and busy ports make this a significant classification. Hazards include drowning, falls overboard, machinery entanglement, and working in confined spaces below deck.

## Who Does Class Code 7016 Apply To?

Deckhands, tugboat crews, barge operators, ferry workers, and vessel maintenance personnel.

## Florida Examples — Class Code 7016

A tugboat company operating in the Port of Tampa assisting large cargo ships. A small ferry service transporting passengers and vehicles across a Florida waterway. A commercial barge operator moving construction materials along the Intracoastal Waterway.

## How to Calculate Workers' Comp Premium for Class Code 7016

**Formula:** (Annual Payroll ÷ 100) × $2.15 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1722 | $2152 | $2582 |
| $250,000 | $4304 | $5380 | $6456 |
| $500,000 | $8608 | $10760 | $12912 |
| $1,000,000 | $17216 | $21520 | $25824 |

## Tips for Managing Class Code 7016 Workers' Comp Costs

- Personal flotation devices are required for all deck operations
- Man-overboard procedures must be drilled regularly
- Maritime workers may be covered under the Jones Act rather than standard workers comp

## Safety Recommendations for Class Code 7016

- Enforce mandatory use of personal flotation devices (PFDs) and provide man overboard recovery training.
- Implement strict protocols for cargo loading/unloading and mooring operations.
- Maintain non-slip deck surfaces and ensure adequate lighting in all work areas.
- Provide training on safe lifting techniques and proper use of deck equipment.

## Get a Quote for Class Code 7016

Contact Bright Coast Insurance for a workers' comp quote for class code 7016 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 #L103957) 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, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*