# 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 7720 — Police Officers and Drivers (FL)

**Class Code:** 7720  
**Description:** Police Officers and Drivers  
**State:** FL  
**Rate:** $2.57 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7720?

Class code 7720 covers police officers and their drivers employed by law enforcement agencies. Work involves patrol, investigation, arrest, and community policing. Florida law enforcement faces diverse challenges including high-traffic enforcement, domestic violence response, and hurricane emergency operations. This is a high-hazard classification with significant exposure to assault, motor vehicle accidents, and occupational stress.

## Who Does Class Code 7720 Apply To?

Police officers, detectives, and law enforcement drivers.

## Florida Examples — Class Code 7720

A city police department in Fort Lauderdale patrolling urban areas and responding to calls. A county sheriff's office in rural Florida conducting investigations and community policing.

## How to Calculate Workers' Comp Premium for Class Code 7720

**Formula:** (Annual Payroll ÷ 100) × $2.57 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2056 | $2570 | $3084 |
| $250,000 | $5140 | $6425 | $7710 |
| $500,000 | $10280 | $12850 | $15420 |
| $1,000,000 | $20560 | $25700 | $30840 |

## Tips for Managing Class Code 7720 Workers' Comp Costs

- Florida's presumption laws cover certain conditions for law enforcement officers
- Defensive driving programs reduce motor vehicle accident claims
- Behavioral health programs address PTSD and stress-related claims
- Separate clerical and administrative staff under code 8810

## Safety Recommendations for Class Code 7720

- Provide extensive training in de-escalation, defensive tactics, and use-of-force protocols.
- Implement advanced driver training for emergency vehicle operation and pursuit policies.
- Ensure proper fit and maintenance of body armor and ergonomic equipment.
- Offer comprehensive mental health support, peer support programs, and critical incident debriefing.

## Get a Quote for Class Code 7720

Contact Bright Coast Insurance for a workers' comp quote for class code 7720 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.*