# 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 9720 — Clubs - Fraternal (FL)

**Class Code:** 9720  
**Description:** Clubs - Fraternal  
**State:** FL  
**Rate:** $1.05 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9720?

Class code 9720 covers employees of fraternal organizations and clubs, including lodge employees, event staff, bar and kitchen workers, and administrative personnel at organizations like Elks, Moose, Eagles, and similar fraternal clubs. Florida has a large number of fraternal organizations, particularly in retirement communities. Hazards include kitchen and food service injuries, slip-and-fall incidents, and ergonomic conditions for administrative staff.

## Who Does Class Code 9720 Apply To?

Fraternal club employees including kitchen and bar staff, event coordinators, maintenance workers, and administrative personnel.

## How to Calculate Workers' Comp Premium for Class Code 9720

**Formula:** (Annual Payroll ÷ 100) × $1.05 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $840 | $1050 | $1260 |
| $250,000 | $2100 | $2625 | $3150 |
| $500,000 | $4200 | $5250 | $6300 |
| $1,000,000 | $8400 | $10500 | $12600 |

## Tips for Managing Class Code 9720 Workers' Comp Costs

- Kitchen safety programs reduce the most common injury type for club employees
- Slip-and-fall prevention in bar and kitchen areas is critical
- Separate kitchen staff under food service codes if they represent a significant portion of payroll

## Get a Quote for Class Code 9720

Contact Bright Coast Insurance for a workers' comp quote for class code 9720 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.*