What code 7382 covers
Typical duties
- Driving motor coaches, mini-buses and shuttle buses on charter, tour or scheduled routes
- Loading passengers’ luggage and securing wheelchairs and mobility devices
- Pre-trip and post-trip inspections, cleaning and fueling of buses
- Maintenance and repair of the company’s own buses at its garage
- Dispatching, ticketing and boarding work at terminals and stops
Operations included
- Charter and tour bus companies
- Intercity and scheduled route carriers that are not public transit agencies
- Airport, hotel and parking shuttle operators running their own fleet for others
- The bus company’s mechanics, washers and yard employees
- Terminal and ticket staff who are not physically separated clerical employees
What code 7382 does not cover
- Contractors that carry students for schools and colleges: 7383
- Limousine, sedan and van chauffeur services: 7380
- Taxicab companies: 7370
- Tow and wrecker operations of any size: 7219
- Separated office staff with no terminal or bus duties: 8810
Code 7382 rate and cost context
The 2026 rate for 7382 is $3.901 per $100 of payroll. That is lower than 7380 even though both are driving codes, which reflects NCCI’s loss experience for professional bus operations with trained, licensed drivers.
Bus companies tend to have large payrolls, so even a small rate difference is real money. The rate has come down every year since 2022 apart from a small increase in 2025.
| Year | Rate per $100 |
|---|---|
| 2022 | $4.57 |
| 2023 | $4.50 |
| 2024 | $4.07 |
| 2025 | $4.13 |
| 2026 | $3.901 |
If you are placed in the FWCJUA
Florida’s residual market charges the voluntary rate plus a surcharge on the voluntary premium: 93% in Tier 1 and 183% in Tiers 2 and 3 for 2026. On this code that works out to about $7.53 (Tier 1) or $11.04 (Tiers 2–3) per $100 of payroll before any experience mod.
Example: estimating code 7382 premium
Consider a charter operator with $650,000 of annual payroll for drivers, mechanics and terminal staff in code 7382.
| Annual payroll in this code | $650,000 |
| Voluntary-market premium (rate × payroll ÷ 100) | $25,357 |
| FWCJUA Tier 1 (with 93% surcharge) | $48,938 |
| FWCJUA Tiers 2–3 (with 183% surcharge) | $71,759 |
Example only. Assumes no experience modification, schedule credits, expense constant or taxes. Minimum premium applies if the result is lower ($550 / FWCJUA $2,900).
Misclassification pitfalls for code 7382
Writing a tow company in 7382 because of an old label
A towing business quoted in 7382 will be reclassified to 7219 at audit, and the difference is billed. If a quote shows 7382 for towing, ask for it to be corrected before you bind.
Hotel or resort shuttles written as a bus company
A hotel that runs its own guest shuttle normally keeps those drivers in its hotel classification. 7382 is for businesses that operate buses as their business.
Splitting mechanics into a garage code
Mechanics who service only the company’s buses stay in 7382. A separate repair code applies only if the shop does outside work as a distinct operation with its own records.
Seasonal drivers paid as contractors
Charter companies that add drivers for the busy season still owe coverage on them unless each one has their own policy. Auditors check driver logs against payroll.
Codes that sit next to 7382
- Code 7383: for contractors whose buses carry students under contract with schools or colleges.
- Code 7380: for chauffeur, limousine and car services.
- Code 7370: for taxicab companies.
- Code 7219: for towing and wrecker service, whatever the truck size.
- Code 8810: for reservation and office staff who are physically separated from the terminal.
Payroll and audit notes for code 7382
Payroll includes driver wages, layover and standby pay, tips reported to the employer, and the value of lodging the company provides on multi-day tours.
Documented per diem under IRS rules is generally excluded; keep the receipts or trip records that support it.
Have your driver qualification files, charter logs and maintenance payroll ready. They show the auditor which employees drove, which worked in the shop and which stayed in the office.
Who usually reports code 7382
- Charter and tour coach operators
- Intercity bus lines
- Airport parking and rental-car shuttle contractors
- Cruise-port and theme-park transfer services
- Church and senior-group transportation companies that charter buses to the public
Code 7382 questions
Is code 7382 used for towing?
No. NCCI and the Florida rate pages describe 7382 as a bus company code. Towing and wrecker service are classified under 7219.
What is the 2026 Florida rate for code 7382?
The 2026 OIR-approved NCCI rate is $3.901 per $100 of payroll, effective January 1, 2026. In the FWCJUA a 93% or 183% surcharge applies by tier.
What is the difference between 7382 and 7383?
7382 covers bus companies in general, such as charter, tour and shuttle operators. 7383 is the school and college bus classification for contractors that carry students.
Do charter bus mechanics go in the same code?
Yes, mechanics who maintain only the company’s own buses are part of 7382.
Sources
- NCCI: Summary of the Florida Workers Compensation Rate Filing Recommendation Effective January 1, 2026
- Florida Office of Insurance Regulation: Commissioner approves 6.9% workers’ compensation rate decrease effective January 1, 2026 (Nov. 17, 2025)
- Florida Workers’ Compensation Joint Underwriting Association (FWCJUA): Rates (2022–2026 rate tables and minimum premiums)
- FWCJUA: Bulletins (Bulletin 25-9: 2026 Tier 1, 2 and 3 surcharges)
- NCCI: Summary of the Florida Workers Compensation Rate Filing Recommendation Effective January 1, 2027 (filed Aug. 21, 2026)
- Florida Statutes: Section 440.02 — Definitions (employee, employer, construction industry)
Facts checked October 12, 2026.