# 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 --- # Workers' Comp Class Code 9022 — Clubs - Country, Golf, Fishing & Drivers (FL) **Class Code:** 9022 **Description:** Clubs - Country, Golf, Fishing & Drivers **State:** FL **Rate:** $1.85 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 9022? Class code 9022 covers employees at country clubs, golf clubs, and fishing clubs, including groundskeepers, golf course maintenance workers, pro shop staff, food service employees, and administrative staff. Florida's year-round golf season and large number of private clubs make this a significant classification. Hazards include equipment operation on golf courses, heat exposure, and kitchen injuries. ## Who Does Class Code 9022 Apply To? Golf course groundskeepers, equipment operators, pro shop staff, food service employees, locker room attendants, and administrative staff at country, golf, and fishing clubs. ## Florida Examples — Class Code 9022 This class code, 9022, applies to a diverse range of recreational facilities across Florida, encompassing operations from meticulous groundskeeping to high-end member services. For instance, a sprawling private golf club in Palm Beach County, employing over 150 staff including groundskeepers meticulously maintaining the championship greens, pro shop attendants assisting members with equipment and tee times, and a full culinary team for its fine dining restaurants and banquet facilities, would fall under this classification. Similarly, a boutique fishing club in the Florida Keys, with 20-30 employees managing marina operations, charter bookings, and a small waterfront eatery, would also utilize this code, covering roles from deckhands to kitchen staff. Another prime example is a luxurious country club in Naples, featuring extensive tennis courts, multiple swimming pools, and a large event space, employing hundreds of individuals from golf course maintenance crews to food and beverage servers, spa therapists, and administrative staff. These businesses share common operational characteristics related to member services, extensive grounds upkeep, and diverse recreational activities, making this code appropriate for their varied workforce and ensuring proper coverage for all employees. ## How to Calculate Workers' Comp Premium for Class Code 9022 **Formula:** (Annual Payroll ÷ 100) × $1.85 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $1480 | $1850 | $2220 | | $250,000 | $3700 | $4625 | $5550 | | $500,000 | $7400 | $9250 | $11100 | | $1,000,000 | $14800 | $18500 | $22200 | ## Tips for Managing Class Code 9022 Workers' Comp Costs - Heat illness prevention programs are critical for outdoor groundskeeping staff in Florida's climate - Turf equipment operator training reduces machinery accident claims - Separate kitchen and food service staff under appropriate food service codes if payroll is significant - Pesticide and chemical handling training reduces exposure claims for groundskeeping staff ## Safety Recommendations for Class Code 9022 - Implement comprehensive training programs for all groundskeeping staff on the safe operation of mowers, trimmers, and other heavy machinery to prevent cuts, amputations, and overturns. - Establish clear protocols for handling and storing chemicals used in golf course maintenance, including proper personal protective equipment (PPE) and emergency spill procedures, to avoid chemical burns and respiratory issues. - Provide regular training on safe lifting techniques and ergonomic practices for food and beverage staff to minimize strains and sprains from carrying trays, moving furniture, or repetitive tasks. - Ensure marina workers receive training on water safety, proper use of life vests, and safe docking procedures to prevent falls overboard, drowning incidents, and injuries from boat handling. ## Get a Quote for Class Code 9022 Contact Bright Coast Insurance for a workers' comp quote for class code 9022 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) --- ## 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.*