# 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 9690 — Domestic Workers - Part-time (FL)

**Class Code:** 9690  
**Description:** Domestic Workers - Part-time  
**State:** FL  
**Rate:** $1.10 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9690?

Class code 9690 covers part-time domestic workers employed in private residences, including housekeepers, nannies, gardeners, and personal assistants who work fewer than the threshold hours that would require standard domestic worker coverage. Florida homeowners who employ part-time domestic help may be required to carry workers' compensation coverage depending on the number of hours worked. This classification carries a relatively low rate due to the generally non-hazardous nature of domestic work.

## Who Does Class Code 9690 Apply To?

Part-time housekeepers, nannies, gardeners, personal assistants, and other domestic workers employed in private residences.

## Florida Examples — Class Code 9690

This class code applies to a variety of part-time domestic workers in private residences across Florida. For instance, a small, family-owned cleaning service operating in the affluent neighborhoods of Palm Beach, employing three part-time housekeepers who maintain several large estate homes, would fall under this classification. Similarly, a busy professional couple in Coral Gables might employ a part-time nanny for their two young children, handling childcare duties for 20 hours a week. Another example includes a private individual in Naples who hires a part-time personal assistant to manage household affairs, appointments, and occasional errands for their luxury residence. Furthermore, a retired couple in Sarasota might engage a part-time gardener to maintain their extensive landscaping and pool area on a bi-weekly basis. These roles are characterized by their part-time nature and direct employment within a private household, distinguishing them from full-time staff or services provided by larger commercial entities. The key is the direct, part-time engagement for domestic duties within a private home setting, common in many of Florida's upscale residential communities.

## How to Calculate Workers' Comp Premium for Class Code 9690

**Formula:** (Annual Payroll ÷ 100) × $1.10 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $880 | $1100 | $1320 |
| $250,000 | $2200 | $2750 | $3300 |
| $500,000 | $4400 | $5500 | $6600 |
| $1,000,000 | $8800 | $11000 | $13200 |

## Tips for Managing Class Code 9690 Workers' Comp Costs

- Florida law requires WC coverage for domestic workers who work 10 or more hours per week for the same employer
- Slip-and-fall prevention in the home is the primary safety focus for domestic workers
- Ergonomic training for cleaning tasks reduces back and shoulder injury claims

## Safety Recommendations for Class Code 9690

- Ensure all cleaning products are properly labeled and stored, and provide training on their safe handling to prevent chemical burns or respiratory issues.
- Implement ergonomic practices for tasks involving repetitive motions or heavy lifting, such as vacuuming or gardening, to reduce the risk of musculoskeletal injuries.
- Regularly inspect and maintain equipment like ladders, mowers, and electrical appliances to prevent falls, cuts, or electrical shocks.
- Establish clear communication protocols and emergency procedures, including first aid kit locations and contact information, to address accidents promptly and effectively.

## Get a Quote for Class Code 9690

Contact Bright Coast Insurance for a workers' comp quote for class code 9690 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.*