# 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 7590 — Garbage Works (FL)

**Class Code:** 7590  
**Description:** Garbage Works  
**State:** FL  
**Rate:** $2.81 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7590?

Class code 7590 covers garbage and refuse collection and disposal operations, including residential and commercial waste collection, transfer station operations, and landfill management. Work involves operating collection vehicles, handling waste containers, and managing disposal facilities. Hazards include motor vehicle accidents, struck-by hazards from collection vehicles, and exposure to hazardous materials in the waste stream.

## Who Does Class Code 7590 Apply To?

Garbage truck drivers, helpers, transfer station workers, and landfill operators.

## Florida Examples — Class Code 7590

A large waste management company in Miami collecting residential and commercial garbage. A municipal sanitation department in Tampa operating a transfer station and landfill.

## How to Calculate Workers' Comp Premium for Class Code 7590

**Formula:** (Annual Payroll ÷ 100) × $2.81 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2248 | $2810 | $3372 |
| $250,000 | $5620 | $7025 | $8430 |
| $500,000 | $11240 | $14050 | $16860 |
| $1,000,000 | $22480 | $28100 | $33720 |

## Tips for Managing Class Code 7590 Workers' Comp Costs

- Backing accident prevention is critical for collection vehicle operations
- PPE including cut-resistant gloves protects against sharps in the waste stream
- Separate recycling operations if classified under a different code

## Safety Recommendations for Class Code 7590

- Implement strict backing and spotting procedures for garbage trucks and heavy equipment.
- Ensure all compactors and machinery have proper guards and lockout/tagout procedures.
- Provide puncture-resistant gloves and boots, and enforce their use.
- Establish clear hydration and rest break schedules, and provide heat stress awareness training.

## Get a Quote for Class Code 7590

Contact Bright Coast Insurance for a workers' comp quote for class code 7590 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.*