# 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 9082 — Restaurant NOC (FL)

**Class Code:** 9082  
**Description:** Restaurant NOC  
**State:** FL  
**Rate:** $1.16 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9082?

Class code 9082 covers restaurant operations not otherwise classified, including full-service restaurants, casual dining establishments, and food service operations that don't fit a more specific restaurant code. Florida's hospitality industry makes restaurants one of the largest employers in the state. Work involves food preparation, table service, dishwashing, and facility maintenance. Hazards include cuts and burns in kitchen operations (the leading cause of restaurant worker claims), slip-and-fall on wet floors, and ergonomic strain.

## Who Does Class Code 9082 Apply To?

Cooks, servers, dishwashers, hosts, and restaurant managers.

## Florida Examples — Class Code 9082

A family-owned Italian restaurant in a Tampa neighborhood with 15 employees. A popular seafood restaurant on the waterfront in Key West with a large kitchen and service staff.

## How to Calculate Workers' Comp Premium for Class Code 9082

**Formula:** (Annual Payroll ÷ 100) × $1.16 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $928 | $1160 | $1392 |
| $250,000 | $2320 | $2900 | $3480 |
| $500,000 | $4640 | $5800 | $6960 |
| $1,000,000 | $9280 | $11600 | $13920 |

## Tips for Managing Class Code 9082 Workers' Comp Costs

- Knife safety training and cut-resistant gloves reduce the leading cause of kitchen claims
- Non-slip footwear is essential for all restaurant employees
- Burns prevention including proper oven mitt use reduces burn claims
- Separate fast food operations under code 9083

## Safety Recommendations for Class Code 9082

- Mandate the use of cut-resistant gloves for cleaning slicers and handling knives.
- Require all employees to wear certified slip-resistant shoes.
- Implement a 'clean-as-you-go' policy to keep floors free of spills and debris.
- Store heavy items on lower shelves and train staff on proper lifting techniques.

## Get a Quote for Class Code 9082

Contact Bright Coast Insurance for a workers' comp quote for class code 9082 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.*