# 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 7704 — Fire Departments (FL)

**Class Code:** 7704  
**Description:** Fire Departments  
**State:** FL  
**Rate:** $3.85 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7704?

Class code 7704 covers fire department employees, including firefighters, paramedics, and support staff employed by municipal, county, or private fire departments. Work involves fire suppression, emergency medical response, hazmat operations, and rescue. Florida firefighters face unique challenges including wildland-urban interface fires, hurricane response, and year-round heat stress. This is a high-hazard classification with significant exposure to traumatic injury and occupational disease.

## Who Does Class Code 7704 Apply To?

Firefighters, fire captains, paramedics, and fire department support staff.

## Florida Examples — Class Code 7704

A municipal fire department in Jacksonville responding to fires, medical emergencies, and hazardous material incidents. A smaller volunteer fire department in a rural Florida county providing emergency services.

## How to Calculate Workers' Comp Premium for Class Code 7704

**Formula:** (Annual Payroll ÷ 100) × $3.85 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3083 | $3854 | $4625 |
| $250,000 | $7708 | $9635 | $11562 |
| $500,000 | $15416 | $19270 | $23124 |
| $1,000,000 | $30832 | $38540 | $46248 |

## Tips for Managing Class Code 7704 Workers' Comp Costs

- Florida's presumption laws cover certain cancers and heart disease for firefighters
- SCBA maintenance and fit testing programs are mandatory
- Behavioral health programs address PTSD and mental health claims
- Separate administrative staff under code 8810

## Safety Recommendations for Class Code 7704

- Provide comprehensive training on fire suppression techniques and structural collapse safety.
- Ensure proper use and maintenance of self-contained breathing apparatus (SCBA) and hazmat PPE.
- Implement strict hydration protocols and rehabilitation during extended incidents.
- Offer mental health support and critical incident stress management programs.

## Get a Quote for Class Code 7704

Contact Bright Coast Insurance for a workers' comp quote for class code 7704 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.*