# 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 9403 — Garbage and Refuse - Collecting in Containers (IL)

**Class Code:** 9403  
**Description:** Garbage and Refuse - Collecting in Containers  
**State:** IL  
**Rate:** $4.60 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 9403?

Class code 9403 covers garbage and refuse collection in containers, including dumpster service companies, roll-off container operations, and commercial waste collection. Work involves delivering and picking up containers using specialized trucks, and managing waste disposal. Hazards include motor vehicle accidents, struck-by hazards from container handling equipment, and exposure to hazardous materials in the waste stream.

## Who Does Class Code 9403 Apply To?

Roll-off drivers, container delivery workers, and dispatch staff.

## Florida Examples — Class Code 9403

A driver for a large waste management company operating a roll-off truck in a dense urban area like Miami. A small, local dumpster rental company in Jacksonville that serves residential construction sites.

## How to Calculate Workers' Comp Premium for Class Code 9403

**Formula:** (Annual Payroll ÷ 100) × $4.60 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $3680 | $4600 | $5520 |
| $250,000 | $9200 | $11500 | $13800 |
| $500,000 | $18400 | $23000 | $27600 |
| $1,000,000 | $36800 | $46000 | $55200 |

## Tips for Managing Class Code 9403 Workers' Comp Costs

- Backing accident prevention is critical for container truck operations
- PPE protects against hazardous materials in commercial waste containers
- Separate residential garbage collection under code 7590

## Safety Recommendations for Class Code 9403

- Provide extensive driver training, including how to safely operate the hydraulic lifting systems.
- Establish a strict safety zone around the truck during loading and unloading operations.
- Ensure the truck's backup cameras and alarms are always in working order.
- Conduct pre-trip and post-trip inspections of the truck and lifting mechanism every day.

## Get a Quote for Class Code 9403

Contact Bright Coast Insurance for a workers' comp quote for class code 9403 in IL:

- **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/il](https://brightcoastins.com/workers-comp-codes/il)



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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.*