# 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 9410: municipal administrative and non-professional employees 9410 is a public-employer class for municipal staff who do administrative or non-professional work and are not placed in a more specific operating class. Florida's FWCJUA table lists 9410 by one of its applications, board of health inspectors. For a Florida city or county, the coverage rules for public employment matter as much as the rate. ## Verified facts about code 9410 - The FWCJUA (FL assigned-risk) 2026 table lists 9410 as Board of Health Inspectors, at $1.987 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)) - the classification phraseology for 9410 is Municipal: Administrative or Non-Professional. ([Montana State Fund](https://montanastatefund.com/web/docs/class-codes-py2026.pdf)) - Section 440.02(17)(b)1 makes employment by the state and all political subdivisions covered employment, including officers elected at the polls, with no minimum number of employees. ([Florida Senate](https://www.flsenate.gov/Laws/Statutes/2025/440.02)) - OSHA says Florida is under federal OSHA jurisdiction and that state and local government workers there are not covered by federal OSHA. ([OSHA](https://www.osha.gov/stateplans)) ## 9410 and the municipal operating classes it is separated from | Class | Florida description | Rate | |---|---|---| | 9410 | BOARD OF HEALTH INSPECTORS | $1.987 per $100 of payroll | | 9403 | GARBAGE AND REFUSE - COLLECTING IN CONTAINERS | $5.331 per $100 of payroll | | 9102 | PARK NOC - ALL EMPLOYEES & DRIVERS | $2.526 per $100 of payroll | | 7720 | POLICE OFFICERS AND DRIVERS | $2.572 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. In Florida, 9410 is priced below municipal operating work: far below refuse collection (9403), and below parks (9102) and police officers (7720). A city's premium depends heavily on how much payroll can honestly be reported in 9410 rather than an operating class. **Illustration (not a quote):** A small city reports $1,250,000 of payroll for its permitting, code inspection and administrative staff in 9410, with a 1.00 mod. Public works and police are rated separately. $1,250,000 ÷ 100 × $1.987 = $24,838; × mod 1.00 = $24,838. FWCJUA (assigned-risk) estimate: $70,292, before the $160 expense constant, $475 flat fee and minimum premium. ## Which city and county staff report in 9410 the classification phraseology is municipal administrative or non-professional work. That covers employees who run programs, process records, inspect and enforce codes, and support elected officials, when they are not part of an operating department with its own class. FWCJUA's Florida description, Board of Health Inspectors, names one group within that scope: public health inspection staff. ## Municipal work that carries its own operating class Garbage and refuse collection is 9403. Park and lawn maintenance is 9102. Police officers are 7720. Each of those is priced above 9410 in Florida's table, refuse collection by a wide margin, and putting that payroll in 9410 understates the city's exposure. Public housing authorities have their own class in Florida, 9033, and are not municipal administration. ## Municipal roles that fit 9410 Examples within the administrative or non-professional scope: - Restaurant and public-pool health inspector - Code enforcement officer documenting violations - Permit technician at a city building counter - Clerk supporting a city commission's meetings and records - Administrative aide processing business tax receipts at the city clerk's office ## Field inspections and the gap in OSHA coverage Inspectors and code officers spend much of the day in the field. They drive between sites, walk properties and enter buildings in poor condition. OSHA treats work driving as a hazard and addresses uneven or elevated surfaces in its walking-working surfaces rules. Those OSHA protections do not legally bind a Florida city. OSHA states that Florida's state and local government workers are not covered by federal OSHA, so any safety program for them is the employer's own. ## A municipal safety program without an OSHA mandate Practices a city can adopt voluntarily, modeled on OSHA material: - Adopt fleet and driving rules for inspectors using OSHA's motor vehicle safety resources - Train field staff to recognize unsafe floors, stairs and elevated surfaces before entering - Use the bloodborne pathogens exposure control model for inspectors who may handle sharps or waste - Track injuries the way a covered private employer would, so loss trends are visible ## Where municipal payroll goes wrong The common mistake is putting whole departments in 9410 because they report to an administrator. Public works crews, park maintenance and refuse collection have their own classes. At Florida's rates, moving them into 9410 is a significant understatement that an audit will correct. A smaller mistake is splitting out office staff to 8810 when the municipal phraseology already covers administrative work. Check how the carrier or self-insurance pool applies the two. ## Coverage rules that apply only to public employers Public employers have no headcount floor in Florida: employment by the state and its political subdivisions is covered whatever its size, and the statute names officers elected at the polls. A three-person town hall is covered the same way as a large city. Cities also cannot rely on the volunteer exclusion the way private employers can, because the statute keeps volunteers for governmental entities inside chapter 440. ## City and county questions about class 9410 **Do small towns need workers' comp in Florida?** Yes. A town with two clerks is covered the same as a large city, because public employment has no headcount floor, and elected officials count. **Are municipal volunteers covered?** Yes, in most cases. Florida's general volunteer exclusion carves out people who volunteer for a governmental entity, so a city's volunteers remain within chapter 440. **Does OSHA apply to city inspectors in Florida?** No. OSHA states that Florida has no State Plan and that state and local government workers are not covered by federal OSHA. **What should a city attach when it asks about its inspectors?** A duty list for the people who write orders, and a separate list for the crews who fix what the inspectors cite. The second group is not an inspection class. ## 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: [State Plans: Florida is under federal OSHA jurisdiction; state and local government workers are not covered](https://www.osha.gov/stateplans) - OSHA: [Motor Vehicle Safety](https://www.osha.gov/motor-vehicle-safety) - 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.*