Workers Comp Class Code 7590 — Garbage Collection
Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.81
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 7590, a worker earning $800/week costs just $22.49/week in workers comp through our PEO program.
FL NCCI Rate
$2.81/$100
per $100 payroll
Risk Level
High
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 7590?
NCCI class code 7590 covers Garbage Collection in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 7590 is $2.81 per $100 of payroll, placing it in the high-risk tier.
Covers garbage and waste collection workers. At $8.42/$100, a worker earning $800/week costs $67.36/week in workers comp.
Code 7590 is a non-construction classification. Florida requires workers' compensation for non-construction employers with 4 or more employees, though coverage is strongly recommended for businesses of any size to protect against catastrophic injury costs.
What Does This Rate Mean in Real Dollars?
At $8.42/$100, a worker earning $800/week costs $67.36/week. Annual cost for $150,000 payroll: ~$12,630.
Rate History — Code 7590
5-Year Rate Trend
Code 7590 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 7590 have decreased from $9.51 to $8.42 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 7590
No deposit. No audit. Same-day COI.
Garbage collection is one of the most dangerous occupations. PEO provides coverage that standard markets often decline.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A private waste collection company in Hillsborough County with 8 workers. A collector is struck by a passing car — $75,000 claim.
Common Job Titles Under Code 7590
Top Workers Comp Risks for Code 7590
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 7590
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 7590, coverage is required when you have 4 or more employees. However, even with fewer than 4 employees, a serious workplace injury could result in significant personal liability.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 7590
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
OSHA 1910.147
The Control of Hazardous Energy (Lockout/Tagout): Requires garbage companies to de-energize, lock and tag truck packers, hydraulic hoppers, and stationary compactors before clearing jams or performing maintenance, with written procedures and employee training.
OSHA 1910.95
Occupational Noise Exposure: Requires a hearing conservation program when drivers/helpers are exposed to an 8‑hour TWA of 85 dBA or more around truck engines, compactors, and transfer stations, including monitoring, audiograms, and hearing protection.
OSHA 1910.1200
Hazard Communication: Requires training, Safety Data Sheets, and labeling for chemicals employees may use or encounter (e.g., truck wash detergents, hydraulic fluids, bleach, and chemical residues found in refuse), plus a written HazCom plan.
OSHA 1910.178
Powered Industrial Trucks: Applies when the operation uses forklifts/yard loaders to move dumpsters or carts at the yard or transfer station; mandates operator training/certification, inspections, and safe operating practices.
OSHA 1910.1030
Bloodborne Pathogens: Applies when garbage crews have reasonably anticipated exposure to sharps or contaminated waste; requires an exposure control plan, HBV vaccinations, post-exposure protocols, and appropriate PPE for handling refuse.
Florida Stop-Work Order Cases — Code 7590
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 7590.
Broward County (2021): DFS compliance officers observed a private hauler’s rear‑loader crew servicing a strip center in Lauderhill with no active workers’ comp policy—two helpers riding the steps and a driver. The employer had been operating uncovered for 12 workdays; penalty assessed around $48,300 ($1,000/day/employee = $36,000 plus twice an estimated $6,150 in unpaid premium). A stop‑work order was issued on site and routes were halted until coverage proof and payment were provided.
Hillsborough County (2022): A roll‑off service in Tampa was cited after investigators found four employees setting and pulling 20‑yard cans without workers’ comp; records showed 21 days of uncovered work. Penalties totaled about $108,000 ($84,000 daily penalty plus twice roughly $12,000 in unpaid premium). DFS posted a stop‑work order at the company’s yard and transfer station gate.
Orange County (2024): An apartment‑complex valet trash contractor in Orlando used two nightly “throwers” classified as 1099s with no coverage; DFS documented 10 days of collections. The penalty was approximately $28,600 ($20,000 daily penalty plus twice an estimated $4,300 unpaid premium). Operations were shut down under a stop‑work order until payroll was put on comp and fines were paid.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 7590
Many standard insurance carriers restrict or decline coverage for businesses classified under code 7590. Understanding these declination triggers helps you find the right coverage path.
High frequency/severity: 7590 has frequent strains from lifting carts, slips from truck steps, lacerations from broken glass, and occasional caught‑in/traffic strike incidents. Many standard carriers either won’t file on this code or impose steep surcharges due to historically poor loss ratios for garbage collection.
Traffic and mobile equipment exposure: Helpers work in live traffic and hop on/off moving vehicles; one bad compactor or struck‑by claim can be catastrophic. Underwriters often decline without strict ride‑along policies, dash cams/telematics, and documented packer lockout procedures.
Unstable workforce and subcontracting: Day labor/1099 helpers and temp agency usage are common in refuse routes, which drives training gaps and audit volatility. Carriers avoid accounts that can’t show verifiable payroll, certified training, and certificates for any subcontracted crews.
Prior history and mod: Many 7590 risks show an EMR above 1.20 or prior lost‑time claims/stop‑work orders. Several admitted carriers have appetite cutoffs (e.g., mod > 1.10 or any prior SWO) and will decline or price off the shelf.
Common Workers Comp Audit Mistakes for Code 7590
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 7590. These are the most common audit mistakes to avoid.
Splitting payroll to cheaper codes: Putting drivers under 7380 (drivers/chauffeurs) or helpers under 9014 (janitorial/valet trash) when the work is refuse collection. At audit, NCCI reclassifies all route payroll to 7590 and back‑bills the difference.
Cash/day‑rate crews with poor records: Paying throwers per route in cash or via payout sheets without names or hours. Auditors treat all such amounts as 7590 payroll and may assign the highest-rated class if timecards aren’t verifiable.
1099 helpers and uninsured subs: Treating throwers as independent contractors or using temp agencies without valid workers’ comp certificates. Auditors add those payments to your 7590 exposure, often retroactively for the entire policy term.
Maintenance crossover: Yard mechanics/welders who also jump on routes are reported under a garage/mechanic code, but without time segregation their entire pay is moved to 7590 at audit. Keep clear job separation and daily time records if anyone splits duties.
Experience Mod (EMR) & PEO Advantage
Garbage collection (7590) tends to have lots of small but frequent injuries—strains from lifting carts, slips from truck steps, and cuts from broken glass—plus the occasional severe loss from a compactor or traffic exposure. Those frequent claims drive up the primary loss portion of your experience mod and a single serious claim can keep the mod elevated for three policy years. A PEO with a large master policy can absorb shock losses better, help with return‑to‑work and nurse triage to keep claims small, and still place coverage even when your mod is above a standard carrier’s appetite.
Frequently Asked Questions — Code 7590
What is the workers comp rate for class code 7590 in Florida?
The Florida NCCI rate for class code 7590 (Garbage Collection) is $2.81 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,217.
Can I get same-day workers comp coverage for class code 7590?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 7590 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 7590 considered high-risk in Florida?
Code 7590 is classified as high-risk based on its NCCI rate of $2.81 per $100 of payroll. This rate is above 5%, which means standard carriers may decline coverage or require large deposits. Our PEO program specializes in covering high-risk classifications that standard carriers decline.
What is the difference between a PEO and a traditional workers comp policy for code 7590?
A traditional policy for code 7590 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 7590, the annual cost would be approximately $4,217.
How do I switch to a PEO program if I already have a workers comp policy for code 7590?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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