# 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 9660 — Funeral Directors & Drivers (FL) **Class Code:** 9660 **Description:** Funeral Directors & Drivers **State:** FL **Rate:** $0.65 per $100 of payroll **Source:** NCCI (National Council on Compensation Insurance) --- ## What Is Class Code 9660? Class code 9660 covers funeral home employees who primarily perform administrative, sales, and non-embalming functions, including funeral directors who arrange services, administrative staff, and drivers who transport remains in funeral vehicles. Florida's large elderly population makes funeral services a significant industry. Hazards are relatively low compared to embalming work, with the primary risks being vehicle accidents during transport and ergonomic injuries. ## Who Does Class Code 9660 Apply To? Funeral directors (non-embalming), administrative staff, funeral home drivers, and pre-need sales counselors. ## Florida Examples — Class Code 9660 Funeral homes across Florida, particularly in regions with a high senior population, fall under NCCI class code 9660. For instance, a medium-sized funeral home in The Villages, such as 'Eternal Rest Funeral Home,' employs a team of administrative staff managing arrangements, licensed funeral directors overseeing services, and and drivers for transportation. Similarly, a larger, multi-location operation like 'Sarasota Memorial Funeral Services' in Sarasota would include embalmers performing preparation duties and crematory operators at their on-site facility, all dedicated to serving the community's needs. Even smaller, family-owned establishments in Boca Raton, like 'Boca Raton Bereavement Center,' rely on this classification for their comprehensive services, from initial client consultations to final disposition, catering specifically to the unique cultural and demographic requirements of Florida's diverse elderly residents. These businesses handle a significant volume of services, requiring a dedicated and specialized workforce. ## How to Calculate Workers' Comp Premium for Class Code 9660 **Formula:** (Annual Payroll ÷ 100) × $0.65 × Experience Modification Rate (EMR) | Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 | |---|---|---|---| | $100,000 | $520 | $650 | $780 | | $250,000 | $1300 | $1625 | $1950 | | $500,000 | $2600 | $3250 | $3900 | | $1,000,000 | $5200 | $6500 | $7800 | ## Tips for Managing Class Code 9660 Workers' Comp Costs - Vehicle safety programs and MVR checks for drivers who transport remains - Ergonomic programs for administrative staff reduce repetitive motion claims - Separate embalmers under code 9670 for proper classification ## Safety Recommendations for Class Code 9660 - Implement comprehensive biohazard safety protocols, including proper use of personal protective equipment (PPE) like gloves, masks, and gowns, to protect embalmers and crematory operators from exposure to infectious agents and hazardous chemicals. - Provide ergonomic training and equipment for staff involved in lifting and moving caskets or deceased individuals. Utilize mechanical aids and team lifting techniques to prevent musculoskeletal injuries, especially for funeral directors and drivers. - Ensure all drivers receive regular defensive driving training and adhere to strict vehicle maintenance schedules. This minimizes the risk of accidents during transportation of remains or funeral processions, protecting both staff and the public. - Establish clear emergency procedures and provide regular training for all employees on fire safety, chemical spill response, and first aid. This prepares administrative staff and other personnel to handle unexpected incidents safely and effectively. ## Get a Quote for Class Code 9660 Contact Bright Coast Insurance for a workers' comp quote for class code 9660 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.*