# 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 9084 — Bar, Discotheque, Lounge, Night Club or Tavern (FL)

**Class Code:** 9084  
**Description:** Bar, Discotheque, Lounge, Night Club or Tavern  
**State:** FL  
**Rate:** $1.05 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9084?

Class code 9084 covers bar, discotheque, lounge, night club, and tavern operations. Work involves bartending, table service, security, and entertainment management. Florida's vibrant nightlife industry in Miami, Fort Lauderdale, and Orlando makes this a significant classification. Hazards include workplace violence (a significant risk in bar and nightclub environments), slip-and-fall injuries, and cuts from glassware.

## Who Does Class Code 9084 Apply To?

Bartenders, servers, bouncers, security staff, and bar managers.

## Florida Examples — Class Code 9084

A high-volume nightclub in Miami's South Beach with a large security team. A small neighborhood bar in St. Augustine with two bartenders and a few servers.

## How to Calculate Workers' Comp Premium for Class Code 9084

**Formula:** (Annual Payroll ÷ 100) × $1.05 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $840 | $1050 | $1260 |
| $250,000 | $2100 | $2625 | $3150 |
| $500,000 | $4200 | $5250 | $6300 |
| $1,000,000 | $8400 | $10500 | $12600 |

## Tips for Managing Class Code 9084 Workers' Comp Costs

- Workplace violence prevention training is critical for bar and nightclub operations
- Responsible alcohol service training reduces alcohol-related incident claims
- Separate food service operations under code 9082 if a full kitchen is operated

## Safety Recommendations for Class Code 9084

- Provide security staff with de-escalation and conflict resolution training.
- Require all staff to wear slip-resistant shoes.
- Use rubber mats behind the bar and in other wet areas.
- Establish safe procedures for handling broken glassware, using tools like dustpans and tongs, never hands.

## Get a Quote for Class Code 9084

Contact Bright Coast Insurance for a workers' comp quote for class code 9084 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.*