# 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 7520 — Water Companies (FL)

**Class Code:** 7520  
**Description:** Water Companies  
**State:** FL  
**Rate:** $1.78 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7520?

Class code 7520 covers water company operations, including water treatment, distribution, and customer service. Work involves operating treatment plants, maintaining distribution mains, reading meters, and responding to main breaks. Florida's water utilities serve a rapidly growing population. Hazards include confined space entry into water tanks and vaults, chemical handling at treatment plants, and excavation for main repairs.

## Who Does Class Code 7520 Apply To?

Water treatment operators, distribution workers, meter readers, and maintenance technicians.

## Florida Examples — Class Code 7520

A typical business operating under class code 7520 in Florida. This could be a small local company or a larger regional enterprise, depending on the specific industry.

## How to Calculate Workers' Comp Premium for Class Code 7520

**Formula:** (Annual Payroll ÷ 100) × $1.78 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1427 | $1784 | $2141 |
| $250,000 | $3568 | $4460 | $5352 |
| $500,000 | $7136 | $8920 | $10704 |
| $1,000,000 | $14272 | $17840 | $21408 |

## Tips for Managing Class Code 7520 Workers' Comp Costs

- Confined space procedures are required for water tank and vault entry
- Chemical handling procedures apply to chlorination and treatment operations
- Separate water main construction under code 6306

## Safety Recommendations for Class Code 7520

- Implement general workplace safety training programs.
- Ensure proper housekeeping to prevent slip and trip hazards.
- Provide ergonomic equipment and training for manual tasks.
- Encourage reporting of all incidents and near-misses.

## Get a Quote for Class Code 7520

Contact Bright Coast Insurance for a workers' comp quote for class code 7520 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.*