# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | 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 9670 — Funeral Directors & Embalmers & Drivers (FL)

**Class Code:** 9670  
**Description:** Funeral Directors & Embalmers & Drivers  
**State:** FL  
**Rate:** $1.42 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9670?

Class code 9670 covers funeral directors who also perform embalming, as well as licensed embalmers and their assistants. Embalming involves exposure to formaldehyde, glutaraldehyde, and other preservative chemicals that pose significant health risks with long-term exposure. Florida's large elderly population and the state's warm climate — which accelerates decomposition — make embalming services a critical part of the funeral industry.

## Who Does Class Code 9670 Apply To?

Licensed embalmers, funeral directors who perform embalming, and embalming assistants.

## How to Calculate Workers' Comp Premium for Class Code 9670

**Formula:** (Annual Payroll ÷ 100) × $1.42 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1136 | $1420 | $1704 |
| $250,000 | $2840 | $3550 | $4260 |
| $500,000 | $5680 | $7100 | $8520 |
| $1,000,000 | $11360 | $14200 | $17040 |

## Tips for Managing Class Code 9670 Workers' Comp Costs

- Formaldehyde exposure monitoring is required under OSHA 1910.1048 — the OSHA formaldehyde standard
- Proper ventilation in preparation rooms is critical to reduce chemical exposure
- Personal protective equipment including gloves, gowns, and respirators must be provided and used
- Bloodborne pathogen training is required for all staff who handle human remains

## Safety Recommendations for Class Code 9670

- OSHA 1910.1048 Formaldehyde Standard requires monitoring and exposure controls
- OSHA Bloodborne Pathogens Standard (1910.1030) applies to embalming operations
- Florida Board of Funeral, Cemetery, and Consumer Services regulates embalming practices

## Get a Quote for Class Code 9670

Contact Bright Coast Insurance for a workers' comp quote for class code 9670 in FL:

- **Phone:** (239) 323-0785
- **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 #L132181) 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) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*