# 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 9044 — Convalescent or Nursing Home (FL)

**Class Code:** 9044  
**Description:** Convalescent or Nursing Home  
**State:** FL  
**Rate:** $3.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9044?

Class code 9044 covers employees at convalescent homes, nursing homes, and long-term care facilities, including certified nursing assistants (CNAs), licensed practical nurses (LPNs), housekeeping staff, dietary aides, and administrative personnel. Florida's large elderly population makes nursing home operations one of the most significant workers' comp classifications in the state. Patient handling is the primary injury risk, with back strains from lifting and transferring residents accounting for the majority of claims.

## Who Does Class Code 9044 Apply To?

Certified nursing assistants, licensed practical nurses, registered nurses, housekeeping staff, dietary aides, activity coordinators, and administrative staff at nursing homes and long-term care facilities.

## How to Calculate Workers' Comp Premium for Class Code 9044

**Formula:** (Annual Payroll ÷ 100) × $3.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2480 | $3100 | $3720 |
| $250,000 | $6200 | $7750 | $9300 |
| $500,000 | $12400 | $15500 | $18600 |
| $1,000,000 | $24800 | $31000 | $37200 |

## Tips for Managing Class Code 9044 Workers' Comp Costs

- Patient lifting and transfer programs using mechanical lift equipment dramatically reduce back injury claims
- Safe patient handling training is the highest-impact safety investment for nursing homes
- Slip-and-fall prevention programs protect both residents and staff
- Workplace violence prevention training is important for staff working with dementia patients

## Safety Recommendations for Class Code 9044

- Florida Agency for Health Care Administration (AHCA) regulates nursing home operations and safety
- OSHA's Safe Patient Handling guidelines provide a framework for reducing musculoskeletal injuries
- Bloodborne pathogen training is required for all patient care staff

## Get a Quote for Class Code 9044

Contact Bright Coast Insurance for a workers' comp quote for class code 9044 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.*