# 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 9063: YMCA and YWCA institutions, health spas and exercise institutes 9063 rates three kinds of fitness and wellness employers: YMCA and YWCA institutions, health spas and steam baths, and exercise or health institutes. All three include their clerical staff. Earlier versions of this page called 9063 "Schools - Professional & College", but colleges in Florida use 8868 and 9101. ## Verified facts about code 9063 - The FWCJUA (FL assigned-risk) 2026 rate for 9063 is $0.691 per $100 of payroll. 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)) - FWCJUA (Florida Workers’ Compensation Joint Underwriting Association)'s 9063 suffixes are 01 YMCA or YWCA Institution-All Employees & Clerical, 02 Health Spa or Steam Bath NOC & Clerical, and 03 Exercise or Health Institute & Clerical. ([Montana State Fund](https://montanastatefund.com/web/docs/class-codes-py2026.pdf)) - Section 440.02 excludes volunteers from employment, except volunteer workers for the state, a county, a municipality or another governmental entity. ([Florida Senate](https://www.flsenate.gov/Laws/Statutes/2025/440.02)) - OSHA's heat guidance covers indoor as well as outdoor heat environments, and in April 2026 OSHA issued a National Emphasis Program on outdoor and indoor heat-related hazards (CPL 03-00-024). ([OSHA](https://www.osha.gov/heat-exposure)) ## 9063 against the club, school and recreation classes | Class | Florida description | Rate | |---|---|---| | 9063 | YMCA, YWCA, YMHA OR YWHA INSTITUTION | $0.691 per $100 of payroll | | 9061 | CLUB NOC AND CLERICAL | $1.089 per $100 of payroll | | 8868 | COLLEGE: PROFESSIONAL EMPLOYEES & CLERICAL | $0.362 per $100 of payroll | | 9101 | COLLEGE: ALL OTHER EMPLOYEES | $2.182 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. 9063 is one of Florida's lower-rated service classes. It costs less than clubs NOC (9061) and much less than college non-professional staff (9101). Because clerical work is written into the phraseology, front-desk and office payroll stay at the 9063 rate instead of being split out. **Illustration (not a quote):** A YMCA branch employs trainers, lifeguards, childcare staff, maintenance and a front desk, with $540,000 in combined payroll. Its experience mod is 0.97. $540,000 ÷ 100 × $0.691 = $3,731; × mod 0.97 = $3,619. FWCJUA (assigned-risk) estimate: $6,985, before the $160 expense constant, $475 flat fee and minimum premium. ## Three wellness businesses, one class with clerical included The YMCA/YWCA suffix covers all employees of the institution, from fitness floor and pool staff to program leaders and office workers. The health spa and steam bath suffix covers that type of facility when no more specific class applies. The exercise or health institute suffix covers gyms and fitness studios. All three suffixes name clerical staff, which is unusual. Many Florida classes leave office work to 8810; 9063 keeps it in. ## Recreation and education payroll outside 9063 Colleges and schools are classified under 8868 for professional and clerical staff and 9101 for everyone else. A social or country club is 9061 or 9060. Professional or amateur athletic teams and parks use the 9178, 9179 and 9182 athletic classes. Contractors who maintain the building, such as HVAC or pool construction crews, carry their own construction classes. Rule 69L-6.021 lists swimming pool construction, installation and repair as construction. ## Who is on a 9063 payroll Roles that fit the three suffixes: - Personal trainer and group exercise instructor at an exercise institute - Lifeguard and swim instructor at a YMCA pool - Steam room and sauna attendant at a health spa - Front desk member-services clerk at any of the three - Facility maintenance worker who cleans locker rooms and handles pool chemicals ## Heat rooms, pool chemicals and wet floors Steam baths and saunas are indoor heat environments. OSHA's heat guidance and its 2026 national emphasis program apply to indoor heat as well as outdoor. Pool treatment and cleaning chemicals fall under OSHA's hazard communication standard, which requires labels, safety data sheets and training. Locker rooms and pool decks are walking-working surfaces that stay wet. First aid from lifeguards and trainers can involve blood, which brings in OSHA's bloodborne pathogens rules for employees with occupational exposure. ## A fitness facility's safety file Built from the OSHA topics above: - Limit attendant time inside steam rooms and saunas, and give them a cool place to rest, in line with OSHA heat guidance - Keep safety data sheets for pool and cleaning chemicals at the point of use - Write an exposure control plan for staff expected to give first aid - Inspect and drain pool decks and locker rooms on a set schedule ## Gym, club or school? How 9063 gets misapplied The label this page used to carry, a college code, would have priced a fitness center at the college rate. Florida's 9101 college class is much higher than 9063. The reverse error appears when a club with golf or marina operations reports everything as a health institute. FWCJUA lists 9060 for country, golf, fishing and yacht clubs. Contracted instructors are a second issue. Classification follows the work, but first the question is whether they are employees at all under s. 440.02. ## Volunteers, instructors and the four-employee rule Nonprofit YMCAs often rely on volunteers. Section 440.02 excludes volunteers from employment unless they volunteer for a governmental entity. Someone who receives no monetary pay is presumed to be a volunteer unless shown otherwise. Paid staff count toward the four-employee threshold for non-construction employers. Instructors paid by the class are not automatically independent contractors. A non-construction worker must meet at least four of the statutory criteria in s. 440.02 to fall outside the definition of employee. ## Fitness and wellness employers' questions about class 9063 **Is 9063 a college or school code?** No. Florida's college classes are 8868 (professional and clerical) and 9101 (all other). 9063 covers YMCA or YWCA institutions, health spas and exercise institutes. **Is front-desk staff split out to 8810?** FWCJUA (Florida Workers’ Compensation Joint Underwriting Association)'s 9063 suffixes each include clerical staff, so office payroll stays in 9063. **Can a membership desk issue a certificate that names a volunteer?** A certificate evidences a policy. It does not turn an unpaid helper into an employee, and it should not list that person as payroll. **Where does a Y list a contracted lifeguard company?** On the certificate request, as an additional insured or a certificate holder, not as payroll. The lifeguard company's own carrier classifies its guards. ## 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) - Montana State Fund: [Classification Codes PY2026: classification phraseologies and suffixes](https://montanastatefund.com/web/docs/class-codes-py2026.pdf) - Florida Senate: [Section 440.02, Florida Statutes: Definitions (employment, employee, employer, exemptions)](https://www.flsenate.gov/Laws/Statutes/2025/440.02) - OSHA: [Heat: working in outdoor and indoor heat environments](https://www.osha.gov/heat-exposure) - 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: [Hazard Communication](https://www.osha.gov/hazcom) - OSHA: [Walking-Working Surfaces](https://www.osha.gov/walking-working-surfaces) - OSHA: [Bloodborne Pathogens and Needlestick Prevention](https://www.osha.gov/bloodborne-pathogens) --- ## 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.*