# 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 9790 — Sporting Goods Dealer - Retail (FL)

**Class Code:** 9790  
**Description:** Sporting Goods Dealer - Retail  
**State:** FL  
**Rate:** $0.88 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9790?

Class code 9790 covers retail sporting goods store employees, including sales staff, stockroom workers, and cashiers at stores selling sporting goods, outdoor equipment, and athletic merchandise. Florida's active outdoor lifestyle and year-round sports season make sporting goods retail a significant industry. Hazards are generally low, with the primary risks being lifting injuries from heavy merchandise and slip-and-fall incidents.

## Who Does Class Code 9790 Apply To?

Sporting goods retail sales associates, cashiers, stockroom employees, and department supervisors.

## How to Calculate Workers' Comp Premium for Class Code 9790

**Formula:** (Annual Payroll ÷ 100) × $0.88 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $704 | $880 | $1056 |
| $250,000 | $1760 | $2200 | $2640 |
| $500,000 | $3520 | $4400 | $5280 |
| $1,000,000 | $7040 | $8800 | $10560 |

## Tips for Managing Class Code 9790 Workers' Comp Costs

- Ergonomic lifting programs for stockroom workers handling heavy equipment (weights, kayaks, bikes)
- Slip-and-fall prevention programs are the primary safety focus for retail environments
- Separate delivery drivers under a driver classification if they operate company vehicles

## Get a Quote for Class Code 9790

Contact Bright Coast Insurance for a workers' comp quote for class code 9790 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.*