# 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

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# Workers' Comp Class Code 9178 — Athletic Sports or Park - Non-Contact Sports (FL)

**Class Code:** 9178  
**Description:** Athletic Sports or Park - Non-Contact Sports  
**State:** FL  
**Rate:** $3.80 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9178?

Class code 9178 covers athletic sports or park operations for non-contact sports, including golf courses, tennis clubs, swimming facilities, and fitness centers. Work involves instruction, facility maintenance, and participant supervision. Florida's year-round outdoor climate makes non-contact sports facilities a major industry. Hazards include heat illness for outdoor operations, equipment maintenance injuries, and slip-and-fall in aquatic facilities.

## Who Does Class Code 9178 Apply To?

Golf course staff, tennis instructors, swim instructors, and fitness facility workers.

## Florida Examples — Class Code 9178

A tennis pro giving lessons at a country club in Boca Raton. A fitness instructor leading group classes at a large gym in Orlando.

## How to Calculate Workers' Comp Premium for Class Code 9178

**Formula:** (Annual Payroll ÷ 100) × $3.80 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3040 | $3800 | $4560 |
| $250,000 | $7600 | $9500 | $11400 |
| $500,000 | $15200 | $19000 | $22800 |
| $1,000,000 | $30400 | $38000 | $45600 |

## Tips for Managing Class Code 9178 Workers' Comp Costs

- Heat illness prevention is critical for Florida outdoor sports operations
- Aquatic facility safety programs reduce drowning and slip-and-fall claims
- Separate contact sports operations under code 9179

## Safety Recommendations for Class Code 9178

- Encourage proper warm-up and cool-down routines for instructors.
- Ensure non-slip surfaces are installed around pools and in shower areas.
- Vary instructional routines and classes to avoid repetitive strain.
- Maintain all fitness equipment in good working order through a regular inspection schedule.

## Get a Quote for Class Code 9178

Contact Bright Coast Insurance for a workers' comp quote for class code 9178 in FL:

- **Phone:** (239) 475-0361
- **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 #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.*