# 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 --- # Class 9019: operating bridges and vehicular tunnels, including drivers 9019 is the class for operating a bridge or vehicular tunnel: tending drawbridge spans, staffing toll points, patrolling and maintaining the roadway, and driving the service trucks that support it. Building or rebuilding the bridge is construction, not 9019. This page was previously labeled "Building or Property Management", which belongs to classes 9012 and 9015. ## Verified facts about code 9019 - The FWCJUA (FL assigned-risk) 2026 table lists 9019 Bridge/Vehicular Tunnel at $2.019 per $100 of payroll, in its Miscellaneous industry group. Florida is a rate state, so carrier pricing starts from the OIR-approved approved rate, then the carrier's deviation, schedule rating, premium discount and your experience mod. ([Florida Office of Insurance Regulation (I-File 25-055760, acknowledged January 26, 2026), published by FWCJUA](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046)) - The New York Compensation Insurance Rating Board's digest gives the full title of class 9019 as Bridge or Vehicular Tunnel Operation & Drivers. ([New York Compensation Insurance Rating Board](https://www.nycirb.org/classification-digest/index.php?class-code=9019&page=dashboard)) - Florida is not an OSHA State Plan state. Federal OSHA covers most private-sector workers, and state and local government workers are not covered by federal OSHA. ([OSHA](https://www.osha.gov/stateplans)) - Section 440.02(17)(b)1 defines employment to include employment by the state and all political subdivisions, with no minimum employee count. ([Florida Senate](https://www.flsenate.gov/Laws/Statutes/2025/440.02)) ## 9019 compared with Florida's building-operation classes | Class | Florida description | Rate | |---|---|---| | 9019 | BRIDGE/VEHICULAR TUNNEL | $2.019 per $100 of payroll | | 9015 | BUILDINGS OPERATION/MAINT. | $2.567 per $100 of payroll | | 9012 | BUILDING OPS BY OWNER, LESSEE, REAL ESTATE MGMT CO | $0.605 per $100 of payroll | | 9102 | PARK NOC - ALL EMPLOYEES & DRIVERS | $2.526 per $100 of payroll | FWCJUA (FL assigned-risk) 2026 rate, effective January 1, 2026: [OIR-acknowledged exhibit](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046), checked 2026-10-24. Florida is a rate state, so carrier pricing starts from the OIR-approved approved rate, then the carrier's deviation, schedule rating, premium discount and your experience mod. 9019 is priced below FWCJUA's building operation and maintenance class (9015) and parks (9102), and well above building management by owners or real-estate managers (9012). The old label on this page pointed readers to 9012. That is the cheapest class here and the wrong one for bridge work. **Illustration (not a quote):** A private toll bridge operator employs bridge tenders, toll staff and a three-person roadway maintenance crew with a service truck, with $900,000 in total payroll and a 1.00 mod. $900,000 ÷ 100 × $2.019 = $18,171; × mod 1.00 = $18,171. FWCJUA (assigned-risk) estimate: $51,424, before the $160 expense constant, $475 flat fee and minimum premium. ## Running a span or tunnel day to day 9019 is an operating class. It covers the people who keep traffic moving across a bridge or through a tunnel: tenders who raise and lower movable spans, toll collectors, crews who sweep, light, sign and patrol the roadway, and drivers of the operator's service vehicles. The classification title includes drivers. FWCJUA places 9019 in its Miscellaneous industry group, alongside other public-operation classes such as parks, rather than with construction or building management. ## Bridge-related work that is not bridge operation Constructing, repairing or rebuilding a bridge is construction. Rule 69L-6.021 lists bridge-related construction classes, including concrete construction in connection with bridges or culverts. Contractors doing that work use those codes and Florida's construction-industry rules. Managing an office building or apartment complex is building operation (9015) or management (9012), not 9019, even though this page once carried that label. ## Payroll a bridge or tunnel operator reports in 9019 Roles that fit the operating scope: - Bridge tender operating a drawbridge for marine traffic - Toll collector staffing a booth on the approach - Maintenance worker replacing lighting and signage on the span - Patrol driver clearing debris and assisting stalled vehicles in a tunnel ## Live traffic is the defining 9019 exposure Most of the work happens beside or inside moving traffic. OSHA's highway work zone materials address exactly this: people working near passing vehicles, and the signs, signals and barricades that separate them from traffic. Movable spans add machinery: gears, brakes and locks that must be controlled during maintenance. OSHA's lockout/tagout program covers unexpected startup of that equipment. ## Controls for crews working on an open roadway Drawn from OSHA's work zone and hazardous energy material: - Set up signs, signals and barricades before any lane-side maintenance - Issue high-visibility garments to everyone working on the approach or deck - Lock out drawbridge drive machinery before maintenance - Plan patrol stops so vehicles shield workers from oncoming traffic ## Operating, building or managing? Where 9019 ends The common error is reporting an operator's in-house repair crew under 9019 while that crew is doing reconstruction that a construction class would cover. Under Rule 69L-6.021(2), that also changes the employer's construction status. The opposite error came from this page's old label: calling bridge operation "building or property management". 9012 is far cheaper and was never meant for staff working in traffic. ## Public authority or private operator: which Florida rules apply Many bridges and tunnels are run by public bodies. Florida law treats employment by the state and its political subdivisions as covered employment with no headcount minimum, and it covers officers elected at the polls. A private operator, by contrast, is a non-construction employer that must cover workers from the fourth employee. Safety jurisdiction also splits. OSHA notes that Florida has no State Plan, so state and local government workers fall outside federal OSHA, while private toll-bridge staff are covered by it. ## Bridge and tunnel operators' questions about class 9019 **Is 9019 a property management code?** No. Building management and operation are 9012 and 9015 in Florida. 9019 is bridge or vehicular tunnel operation, including drivers. **Does 9019 cover bridge construction?** No. Bridge construction and repair use construction classes, such as those in Rule 69L-6.021, including concrete construction in connection with bridges or culverts. **Does OSHA cover a county's bridge tenders?** Not federal OSHA. OSHA states that Florida is under federal jurisdiction for most private-sector workers, and that state and local government workers are not covered. **Who signs the bridge operator's payroll reports?** The person who can say which employees work on the span and which work in the toll booth. A property manager's signature, with no duty list, is what produces a wrong class at audit. ## Sources - Florida Office of Insurance Regulation (I-File 25-055760, acknowledged January 26, 2026), published by FWCJUA: [1-1-2026 Rate Filing: OIR Acknowledgement of Filed Rates, class rates effective January 1, 2026](https://www.fwcjua.com/Home/DisplayDocument?intDocId=16046) - Florida Workers' Compensation Joint Underwriting Association (FWCJUA): [2026 rates and minimum premiums by class, effective January 1, 2026](https://www.fwcjua.com/Rates) - New York Compensation Insurance Rating Board: [Classification Digest, class 9019: Bridge or Vehicular Tunnel Operation & Drivers](https://www.nycirb.org/classification-digest/index.php?class-code=9019&page=dashboard) - OSHA: [State Plans: Florida is under federal OSHA jurisdiction; state and local government workers are not covered](https://www.osha.gov/stateplans) - Florida Senate: [Section 440.02, Florida Statutes: Definitions (employment, employee, employer, exemptions)](https://www.flsenate.gov/Laws/Statutes/2025/440.02) - Florida Department of Financial Services, Division of Workers' Compensation: [Rule 69L-6.021, F.A.C.: Construction Industry Classification Codes, Descriptions, and Operations Scope of Exemption](https://www.flrules.org/gateway/ruleNo.asp?id=69L-6.021) - OSHA: [Highway Work Zones and Signs, Signals, and Barricades](https://www.osha.gov/highway-workzones) - OSHA: [Control of Hazardous Energy (Lockout/Tagout)](https://www.osha.gov/control-hazardous-energy) --- ## 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.*