# 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 7038 — Boat Livery (FL)

**Class Code:** 7038  
**Description:** Boat Livery  
**State:** FL  
**Rate:** $2.98 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7038?

Class code 7038 covers boat livery operations, where boats are rented to customers for recreational use. Work involves boat preparation and maintenance, customer instruction, fuel handling, and dock operations. Florida's extensive waterways and tourism industry make boat liveries common throughout the state. Hazards include drowning risk, fuel handling, and dock slip-and-fall injuries.

## Who Does Class Code 7038 Apply To?

Boat rental attendants, dock workers, boat maintenance staff, and customer service employees.

## Florida Examples — Class Code 7038

A boat rental company on a popular lake in Orlando offering pontoon boats and jet skis. A small business in Key West renting kayaks and paddleboards to tourists.

## How to Calculate Workers' Comp Premium for Class Code 7038

**Formula:** (Annual Payroll ÷ 100) × $2.98 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2384 | $2980 | $3576 |
| $250,000 | $5960 | $7450 | $8940 |
| $500,000 | $11920 | $14900 | $17880 |
| $1,000,000 | $23840 | $29800 | $35760 |

## Tips for Managing Class Code 7038 Workers' Comp Costs

- Customer safety briefings and life jacket requirements reduce liability
- Fuel handling procedures must comply with fire safety standards
- Separate marina operations under code 6836 if applicable

## Safety Recommendations for Class Code 7038

- Provide thorough safety briefings to customers and ensure proper use of life vests.
- Encourage workers to use sunscreen, hats, and stay hydrated to prevent heat-related illnesses.
- Implement clear procedures for safe boat launching and retrieval, including propeller safety.
- Maintain non-slip surfaces on docks and provide training on safe customer assistance.

## Get a Quote for Class Code 7038

Contact Bright Coast Insurance for a workers' comp quote for class code 7038 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.*