# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 475-0361 | 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 7230 — Truckers - Local (FL)

**Class Code:** 7230  
**Description:** Truckers - Local  
**State:** FL  
**Rate:** $5.18 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7230?

Class code 7230 covers local trucking operations within a 50-mile radius of the home terminal. Local truckers make multiple deliveries per day, involving frequent loading and unloading, which increases musculoskeletal injury risk compared to long-haul operations. In Florida, local trucking is a major industry supporting construction, retail, and distribution operations throughout the state.

## Who Does Class Code 7230 Apply To?

Local delivery drivers, helpers, and dock workers.

## Florida Examples — Class Code 7230

A beverage distribution company in Tampa delivering products to local restaurants and stores. A furniture delivery service in Orlando making multiple residential deliveries daily.

## How to Calculate Workers' Comp Premium for Class Code 7230

**Formula:** (Annual Payroll ÷ 100) × $5.18 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $4142 | $5178 | $6214 |
| $250,000 | $10356 | $12945 | $15534 |
| $500,000 | $20712 | $25890 | $31068 |
| $1,000,000 | $41424 | $51780 | $62136 |

## Tips for Managing Class Code 7230 Workers' Comp Costs

- Lift gate and hand truck use reduces back injury claims
- Backing accident prevention through cameras and spotters reduces property damage and injury claims
- Separate long-haul operations under code 7222

## Safety Recommendations for Class Code 7230

- Provide ergonomic training for lifting and carrying, and encourage the use of hand trucks or dollies.
- Ensure drivers wear appropriate footwear and are aware of slip/trip hazards on routes.
- Implement defensive driving techniques for urban environments and route planning to minimize risks.
- Train drivers on how to safely interact with animals and recognize aggressive behavior.

## Get a Quote for Class Code 7230

Contact Bright Coast Insurance for a workers' comp quote for class code 7230 in FL:

- **Phone:** (239) 475-0361
- **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) 475-0361 | 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.*