# 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 --- # Workers' Comp Class Code 9509 — Automobile Repair - Mobile (FL) **Class Code:** 9509 **Description:** Automobile Repair - Mobile **State:** FL **Rate:** $2.55 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 9509? Class code 9509 covers mobile automobile repair employees who travel to customer locations to perform vehicle repairs, including mobile mechanics, roadside assistance technicians, and mobile detailers. Florida's large vehicle fleet and consumer preference for convenient services have driven growth in mobile auto repair. Hazards include vehicle accidents while traveling to job sites, working in traffic or on roadsides, and the same mechanical hazards as shop-based repair. ## Who Does Class Code 9509 Apply To? Mobile mechanics, roadside assistance technicians, mobile auto detailers, and mobile tire service technicians. ## Florida Examples — Class Code 9509 For NCCI class code 9509, which covers mobile automobile repair employees, Florida businesses like "Sunshine Mobile Oil Change" in Orlando exemplify this classification. This small operation, typically employing 3-5 mechanics, provides convenient on-site oil changes and routine maintenance for both residential customers and small business fleets across Central Florida, utilizing specially equipped vans. Another pertinent example is "Miami Fleet Solutions," a medium-sized company in Miami-Dade County with a team of 10-15 mobile technicians. They specialize in comprehensive diagnostics and repairs for commercial vehicle fleets, ranging from delivery trucks to utility vans, often working at client depots or roadside. Additionally, "Tampa Bay Roadside Rescue" illustrates the code, offering emergency repair services to stranded motorists and light-duty vehicle owners throughout the greater Tampa Bay area, often involving quick fixes and tire changes directly at the customer's location. These businesses highlight the traveling nature of the mechanics and the diverse services provided directly at the customer's site. ## How to Calculate Workers' Comp Premium for Class Code 9509 **Formula:** (Annual Payroll ÷ 100) × $2.55 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $2040 | $2550 | $3060 | | $250,000 | $5100 | $6375 | $7650 | | $500,000 | $10200 | $12750 | $15300 | | $1,000,000 | $20400 | $25500 | $30600 | ## Tips for Managing Class Code 9509 Workers' Comp Costs - Vehicle safety programs and MVR checks are critical for mobile repair technicians - Roadside safety training (traffic control, high-visibility clothing) reduces traffic accident exposure - Chemical handling procedures for automotive fluids apply equally to mobile operations ## Safety Recommendations for Class Code 9509 - Always use proper lifting techniques and mechanical aids when handling heavy vehicle components to prevent back strains and sprains. Ensure equipment like jacks and stands are correctly positioned and rated for the load. - Maintain a clean and organized work area, especially when working outdoors or on uneven surfaces, to prevent slips, trips, and falls. Promptly clean up any oil, grease, or fluid spills. - Wear appropriate personal protective equipment (PPE), including safety glasses, gloves, and sturdy footwear, to protect against cuts, abrasions, and chemical splashes. Always use tools correctly and ensure they are in good condition. - Implement clear protocols for working on or near roadways, including proper vehicle placement, warning signs, and high-visibility clothing. Be aware of surroundings and traffic to avoid vehicle-related incidents. ## Get a Quote for Class Code 9509 Contact Bright Coast Insurance for a workers' comp quote for class code 9509 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) --- ## 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.*