# 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 7382 — Bus Company (FL)

**Class Code:** 7382  
**Description:** Bus Company  
**State:** FL  
**Rate:** $3.90 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7382?

Class code 7382 covers bus company operations, including intercity, charter, and commuter bus services. Work involves driving, passenger assistance, vehicle inspection, and maintenance. Florida's tourism industry and growing population support significant bus operations. Hazards include motor vehicle accidents, passenger assistance injuries, and the cumulative effects of prolonged driving.

## Who Does Class Code 7382 Apply To?

Bus drivers, mechanics, dispatchers, and terminal workers.

## Florida Examples — Class Code 7382

A large intercity bus company with routes connecting major Florida cities. A charter bus service in Orlando transporting tour groups to attractions. A municipal transit authority operating commuter buses in Jacksonville.

## How to Calculate Workers' Comp Premium for Class Code 7382

**Formula:** (Annual Payroll ÷ 100) × $3.90 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3120 | $3900 | $4680 |
| $250,000 | $7800 | $9750 | $11700 |
| $500,000 | $15600 | $19500 | $23400 |
| $1,000,000 | $31200 | $39000 | $46800 |

## Tips for Managing Class Code 7382 Workers' Comp Costs

- DOT compliance and driver qualification files are mandatory
- Passenger assistance training reduces slip-and-fall claims at bus stops
- Separate school bus operations under code 7383

## Safety Recommendations for Class Code 7382

- Implement comprehensive driver training, including defensive driving and emergency procedures.
- Ensure regular vehicle maintenance and safety inspections.
- Maintain clean, dry bus interiors and provide clear instructions for boarding/alighting.
- Train drivers on de-escalation techniques and passenger management.

## Get a Quote for Class Code 7382

Contact Bright Coast Insurance for a workers' comp quote for class code 7382 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.*