# 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 9012 — Building Operations by Owner, Lessee, Real Estate Management Company (FL)

**Class Code:** 9012  
**Description:** Building Operations by Owner, Lessee, Real Estate Management Company  
**State:** FL  
**Rate:** $0.61 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9012?

Class code 9012 covers building operations managed by the owner, lessee, or real estate management company, including property management companies that operate commercial and residential buildings. Work involves maintenance, cleaning, security, and tenant services. Hazards include slip-and-fall injuries, maintenance-related injuries, and elevator and escalator operations.

## Who Does Class Code 9012 Apply To?

Property managers, building superintendents, maintenance workers, and security staff employed by building owners or management companies.

## Florida Examples — Class Code 9012

A real estate investment trust (REIT) that owns and operates a portfolio of 20 office buildings in downtown Miami. The owner of a 10-unit apartment complex in Fort Myers who directly employs a handyman for maintenance.

## How to Calculate Workers' Comp Premium for Class Code 9012

**Formula:** (Annual Payroll ÷ 100) × $0.61 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $488 | $610 | $732 |
| $250,000 | $1220 | $1525 | $1830 |
| $500,000 | $2440 | $3050 | $3660 |
| $1,000,000 | $4880 | $6100 | $7320 |

## Tips for Managing Class Code 9012 Workers' Comp Costs

- Separate contractors who perform work in the building under their own codes
- Preventive maintenance programs reduce equipment failure and injury claims
- Slip-and-fall prevention in common areas is a top priority

## Safety Recommendations for Class Code 9012

- Use 'wet floor' signs and ensure spills are cleaned up immediately.
- Provide dollies, carts, and training on proper lifting techniques for maintenance staff.
- Implement a lock-out/tag-out program for all electrical work.
- Conduct regular inspections of all common areas to identify and mitigate potential hazards.

## Get a Quote for Class Code 9012

Contact Bright Coast Insurance for a workers' comp quote for class code 9012 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.*