Workers Comp Class Code 9402 — Street Cleaning
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.14
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 9402, a worker earning $800/week costs just $33.15/week in workers comp through our PEO program.
FL NCCI Rate
$4.14/$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 9402?
NCCI class code 9402 covers Street Cleaning 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 9402 is $4.14 per $100 of payroll, placing it in the high-risk tier.
Covers street sweeping and cleaning crews. At $5.84/$100, a worker earning $700/week costs $40.88/week in workers comp.
Code 9402 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 $5.84/$100, a worker earning $700/week costs $40.88/week. Annual cost for $100,000 payroll: ~$5,840.
Rate History — Code 9402
5-Year Rate Trend
Code 9402 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 9402 have decreased from $6.56 to $5.84 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 9402
No deposit. No audit. Same-day COI.
Street cleaning companies need flexible coverage. PEO provides same-day COI and pay-as-you-go coverage.
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 street cleaning company with 5 workers in Orange County. A worker is struck by a vehicle — $55,000 claim.
Common Job Titles Under Code 9402
Top Workers Comp Risks for Code 9402
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 9402
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 9402, 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 9402
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.
29 CFR 1910.147 – The control of hazardous energy (lockout/tagout). Requires de-energizing and locking out street sweepers and vacuum units before clearing jams, changing brushes, or servicing hoppers/impellers.
29 CFR 1910.212 – General requirements for all machines. Requires guarding of rotating brushes, belts, suction fan inlets, and other moving parts on sweepers and vac trucks to prevent entanglement and amputations.
29 CFR 1910.134 – Respiratory protection. Requires a written program, medical evaluations, fit testing, and proper respirator selection when operators are exposed to road dust, silica, or diesel particulates during dry sweeping or blowing.
29 CFR 1910.95 – Occupational noise exposure. Triggers a hearing conservation program, monitoring, training, and audiograms when sweepers and blowers expose crews to an 8‑hour TWA of 85 dBA or more.
29 CFR 1910.1030 – Bloodborne pathogens. Requires an exposure control plan, Hepatitis B vaccination offer, and proper sharps handling when crews encounter needles or body-fluid-contaminated waste in roadside litter.
Florida Stop-Work Order Cases — Code 9402
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 9402.
Miami-Dade County (2023): DFS issued a stop-work order to a private street-sweeping contractor servicing municipal corridors after discovering coverage had lapsed for 45 days with 10 broom-truck operators on active routes. Penalty assessed: $450,000 for daily violations ($1,000/day/employee) plus $56,000 (twice the estimated unpaid premium), totaling $506,000.
Orange County (2022): A night-sweeping firm working around the I‑4 corridor was found using 7 uninsured operators for 42 days following a cancellation for audit noncompliance. Penalty assessed: $294,000 in daily penalties plus $38,000 (twice the estimated unpaid premium), totaling $332,000.
Duval County (2024): DFS investigators observed a vacuum-sweeping crew handling post-storm debris downtown with 12 workers and no active workers’ comp for 30 days. Penalty assessed: $360,000 in daily penalties plus $50,000 (twice the estimated unpaid premium), totaling $410,000.
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 9402
Many standard insurance carriers restrict or decline coverage for businesses classified under code 9402. Understanding these declination triggers helps you find the right coverage path.
Live-traffic exposure is inherent to class code 9402; the struck-by severity potential (especially during night operations) pushes many admitted carriers to decline or surcharge heavily.
Sweepers and vacuum trucks have high-severity entanglement and servicing exposures (brush changes, hose unclogs, impeller maintenance) that drive costly hand and arm injuries—an underwriting red flag for 9402.
Frequent contact with roadside waste (glass, needles, biohazards) leads to bloodborne-pathogen claims and post-exposure prophylaxis costs that many standard markets avoid for 9402.
Event-based or storm cleanups often rely on 1099 or temporary labor; inconsistent payroll/employee counts and weak written safety programs (traffic control, LOTO, PPE) create audit and loss-control uncertainty that causes declinations.
Common Workers Comp Audit Mistakes for Code 9402
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 9402. These are the most common audit mistakes to avoid.
Splitting route workers’ time into 9014 (janitorial/parking-lot litter pickup) to lower premium; auditors usually move all sweeping/litter crew payroll back to 9402 because street/right‑of‑way work is integral to the operation.
Classifying drivers under 7380 (drivers, NOC) while assigning only sweeping time to 9402; NCCI treats driving as part of 9402 for street-cleaning routes, so the audit reclassifies the driver payroll back to 9402.
Failing to maintain timecard separation for shop mechanics who service sweepers (often 8380). Without credible splits, auditors push all wages to the highest-rated code—typically 9402.
Not reporting cash paid to day labor or uninsured subcontracted litter crews after special events; at audit, these labor costs are treated as 9402 exposure and added to payroll, creating a large additional premium.
Experience Mod (EMR) & PEO Advantage
Street-cleaning (9402) mods are highly sensitive to frequent “smaller” claims like slips while exiting cabs, strains from hose handling, and needlestick exposures—plus the occasional high‑severity struck‑by loss in traffic. Because the mod weights claim frequency heavily, even a few medical‑only injuries can push the EMR above 1.00 and spike costs. A PEO places you on a large master policy with robust loss control (traffic‑zone procedures, LOTO, BBP, RTW) and tight claims management, helping cut claim frequency and stabilize your mod over time.
Frequently Asked Questions — Code 9402
What is the workers comp rate for class code 9402 in Florida?
The Florida NCCI rate for class code 9402 (Street Cleaning) is $4.14 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $6,216.
Can I get same-day workers comp coverage for class code 9402?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 9402 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 9402 considered high-risk in Florida?
Code 9402 is classified as high-risk based on its NCCI rate of $4.14 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 9402?
A traditional policy for code 9402 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 9402, the annual cost would be approximately $6,216.
How do I switch to a PEO program if I already have a workers comp policy for code 9402?
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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