# 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 7705 — Ambulance Service Companies, EMS Providers & Drivers (TX)

**Class Code:** 7705  
**Description:** Ambulance Service Companies, EMS Providers & Drivers  
**State:** TX  
**Rate:** $2.50 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 7705?

Class code 7705 covers ambulance service companies, emergency medical services providers, and their drivers. Work involves emergency response, patient care, lifting and moving patients, and driving under emergency conditions. Florida's large elderly population creates significant EMS demand. Hazards include patient handling injuries (the leading cause of EMS worker injuries), motor vehicle accidents, and exposure to infectious diseases.

## Who Does Class Code 7705 Apply To?

EMTs, paramedics, ambulance drivers, and dispatch staff.

## Florida Examples — Class Code 7705

A private ambulance service in Tampa providing emergency medical transport. A county-run EMS agency in Orlando responding to 911 calls and inter-facility transfers.

## How to Calculate Workers' Comp Premium for Class Code 7705

**Formula:** (Annual Payroll ÷ 100) × $2.50 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2000 | $2500 | $3000 |
| $250,000 | $5000 | $6250 | $7500 |
| $500,000 | $10000 | $12500 | $15000 |
| $1,000,000 | $20000 | $25000 | $30000 |

## Tips for Managing Class Code 7705 Workers' Comp Costs

- Patient lifting equipment and proper body mechanics training reduce musculoskeletal claims
- Bloodborne pathogen training and vaccination programs are mandatory
- Behavioral health support addresses PTSD from traumatic calls
- Florida's presumption laws may apply to certain infectious disease exposures

## Safety Recommendations for Class Code 7705

- Provide comprehensive training on proper patient lifting and moving techniques, using mechanical aids.
- Implement defensive driving training for emergency vehicles and ensure regular maintenance.
- Enforce strict infection control protocols, including PPE and decontamination procedures.
- Offer mental health support and stress management programs for EMS personnel.

## Get a Quote for Class Code 7705

Contact Bright Coast Insurance for a workers' comp quote for class code 7705 in TX:

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



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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.*