# 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 9505 — Auto, Bus, Truck, Trailer - Painting (FL)

**Class Code:** 9505  
**Description:** Auto, Bus, Truck, Trailer - Painting  
**State:** FL  
**Rate:** $2.57 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9505?

Class code 9505 covers auto, bus, truck, and trailer painting operations, including vehicle refinishing and fleet painting. Work involves surface preparation, masking, spray painting, and finishing of vehicles. Hazards include isocyanate exposure from automotive paints (a leading cause of occupational asthma), solvent inhalation, and fire risk from flammable coatings.

## Who Does Class Code 9505 Apply To?

Vehicle painters, prep technicians, and detailers.

## Florida Examples — Class Code 9505

A high-volume auto body paint shop in Orlando that services collision repairs. A custom paint shop in Miami that specializes in painting luxury and classic cars.

## How to Calculate Workers' Comp Premium for Class Code 9505

**Formula:** (Annual Payroll ÷ 100) × $2.57 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2058 | $2573 | $3088 |
| $250,000 | $5146 | $6433 | $7719 |
| $500,000 | $10292 | $12865 | $15438 |
| $1,000,000 | $20584 | $25730 | $30876 |

## Tips for Managing Class Code 9505 Workers' Comp Costs

- Isocyanate exposure requires supplied-air respirators during spray painting
- Ventilation systems must be designed for automotive paint operations
- Separate auto body repair under code 8393

## Safety Recommendations for Class Code 9505

- Require all painters to use a fresh-air-supplied respirator, not just a simple mask.
- Ensure the paint mixing room and spray booth have proper ventilation systems.
- Mandate the use of nitrile gloves and full-body coveralls to prevent skin exposure.
- Ground and bond all equipment to prevent static electricity buildup that could ignite fumes.

## Get a Quote for Class Code 9505

Contact Bright Coast Insurance for a workers' comp quote for class code 9505 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.*