# 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 7222 — Automobile Service/Repair Center & Drivers (MI)

**Class Code:** 7222  
**Description:** Automobile Service/Repair Center & Drivers  
**State:** MI  
**Rate:** $2.35 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7222?

Class code 7222 covers long-haul trucking operations where drivers regularly operate beyond a 50-mile radius from their home terminal. Long-haul trucking involves extended driving hours, overnight stays, and exposure to varied road conditions across multiple states. Hazards include fatigue-related accidents, loading and unloading injuries, and the cumulative effects of prolonged sitting and vibration.

## Who Does Class Code 7222 Apply To?

Over-the-road truck drivers and their helpers.

## Florida Examples — Class Code 7222

A national trucking company with a major hub in Lakeland, Florida, operating long-haul routes across the country. An owner-operator based in Miami transporting specialized cargo on extended trips.

## How to Calculate Workers' Comp Premium for Class Code 7222

**Formula:** (Annual Payroll ÷ 100) × $2.35 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $1876 | $2345 | $2814 |
| $250,000 | $4690 | $5863 | $7035 |
| $500,000 | $9380 | $11725 | $14070 |
| $1,000,000 | $18760 | $23450 | $28140 |

## Tips for Managing Class Code 7222 Workers' Comp Costs

- DOT compliance including hours-of-service records is critical for premium management
- Driver fatigue management programs reduce accident frequency
- MVR monitoring and annual driver qualification reviews are essential
- Separate local delivery operations under code 7230

## Safety Recommendations for Class Code 7222

- Implement strict hours-of-service compliance and promote fatigue management strategies.
- Provide ergonomic seating and encourage regular stretching and breaks during long drives.
- Ensure safe access to trailers and train drivers on proper coupling/uncoupling procedures.
- Educate drivers on personal safety and security measures at rest stops.

## Get a Quote for Class Code 7222

Contact Bright Coast Insurance for a workers' comp quote for class code 7222 in MI:

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



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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.*