# 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 9182 — Athletic Sports or Park - Operations & Drivers (FL)

**Class Code:** 9182  
**Description:** Athletic Sports or Park - Operations & Drivers  
**State:** FL  
**Rate:** $1.46 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9182?

Class code 9182 covers athletic sports or park operations and drivers, including sports complexes, recreational facilities, and sports parks that involve driving operations. Work involves facility management, sports instruction, and transportation of participants or equipment. Hazards include sports-related injuries, motor vehicle accidents for drivers, and facility maintenance risks.

## Who Does Class Code 9182 Apply To?

Sports facility staff, coaches, drivers, and maintenance workers.

## Florida Examples — Class Code 9182

A youth soccer coach for a large league in Jacksonville who also drives the team van to games. A maintenance worker at a large sports complex in Tampa who uses utility vehicles to move equipment around the facility.

## How to Calculate Workers' Comp Premium for Class Code 9182

**Formula:** (Annual Payroll ÷ 100) × $1.46 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1168 | $1460 | $1752 |
| $250,000 | $2920 | $3650 | $4380 |
| $500,000 | $5840 | $7300 | $8760 |
| $1,000,000 | $11680 | $14600 | $17520 |

## Tips for Managing Class Code 9182 Workers' Comp Costs

- MVR checks are required for drivers in this classification
- Separate specific sports operations under more specific codes if applicable
- Heat illness prevention is important for Florida outdoor sports facilities

## Safety Recommendations for Class Code 9182

- Require a valid driver's license and a clean driving record for anyone operating facility or team vehicles.
- Implement a regular vehicle inspection and maintenance program.
- Encourage proper warm-ups and stretching for coaches before demonstrating drills.
- Provide heat safety training and hydration for all staff working outdoors.

## Get a Quote for Class Code 9182

Contact Bright Coast Insurance for a workers' comp quote for class code 9182 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.*