Workers Comp Class Code 7380 — Trucking — Local (Within 50 Miles)
Florida NCCI Workers Comp Classification
FL NCCI Rate
$4.49
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 7380, a worker earning $800/week costs just $35.94/week in workers comp through our PEO program.
FL NCCI Rate
$4.49/$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 7380?
NCCI class code 7380 covers Trucking — Local (Within 50 Miles) 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 7380 is $4.49 per $100 of payroll, placing it in the high-risk tier.
Covers truck drivers making local deliveries and short-haul runs within 50 miles of their base. Includes box truck drivers, dump truck drivers, concrete mixer drivers, and local delivery drivers. Very common for small Florida trucking and delivery companies.
Code 7380 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 $4.49 per $100 (2026 FWCJUA rate), a local truck driver earning $900/week costs about $40.43/week in workers comp. For a 4-truck company, that's roughly $162/week. Trucking companies with dump trucks, flatbeds, or specialty equipment often face higher rates or rejections from standard carriers.
Rate History — Code 7380
5-Year Rate Trend
Code 7380 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 7380 have decreased from $5.90 to $4.49 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 7380
No deposit. No audit. Same-day COI.
Trucking companies often have drivers who work variable hours and may be paid by the load or mile. PEO handles all payroll structures — hourly, salary, or per-load — and calculates workers comp correctly on all compensation. No more guessing at annual payroll for your policy deposit.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
You own a 4-truck dump truck company in Polk County hauling fill dirt for construction sites. A driver backs into a ditch and the truck rolls, injuring the driver. The workers comp covers the trauma care and 2 months of lost wages. With Comp Ninjas's PEO, you pay workers comp based on actual weekly payroll — no big deposit.
Common Job Titles Under Code 7380
Top Workers Comp Risks for Code 7380
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 7380
Florida Statute Chapter 440 governs workers' compensation requirements. For non-construction employers classified under code 7380, 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 7380
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.
FMCSA 49 CFR Part 395
Hours of Service: local drivers are subject to the 11-hour driving limit and 14-hour on-duty limit; violations are a top audit finding.
OSHA 1910.178
Powered Industrial Trucks: applies to forklifts and pallet jacks used at loading docks; operators must be trained and certified.
OSHA 1910.132
PPE: hard hats, safety vests, and steel-toed boots required at construction delivery sites.
FMCSA 49 CFR Part 396
Inspection and Maintenance: pre-trip and post-trip vehicle inspections are required; failure to document is a common violation.
Florida Stop-Work Order Cases — Code 7380
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 7380.
Polk County, 2023: A 4-truck dump truck company was operating without workers comp. DFS issued a stop-work order at a construction site. Penalty: $18,400.
Orange County, 2022: A local delivery company classified all drivers as 1099 contractors. DFS found 5 of 7 were employees. Retroactive premium plus penalties: $27,600.
Hillsborough County, 2023: A trucking company had a policy but failed to report a new driver within 30 days. The driver was injured in a backing accident during the gap period.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Typical Payroll & Workers Comp Cost — Code 7380
These are representative payroll ranges for businesses classified under code 7380 in Florida. Actual costs depend on your specific payroll, experience mod, and underwriting factors.
| Crew Size | Weekly Payroll | Est. Annual Comp Cost |
|---|---|---|
| 2-truck company | $1,800/week | $4,205/year |
| 4-truck company | $3,600/week | $8,409/year |
| 8-truck company | $7,200/week | $16,818/year |
Estimates based on Florida NCCI rate $4.49/$100 of payroll. Pre-underwriting estimate only.
Why Standard Carriers Decline Code 7380
Many standard insurance carriers restrict or decline coverage for businesses classified under code 7380. Understanding these declination triggers helps you find the right coverage path.
Dump truck and flatbed accounts are frequently declined by standard carriers due to backing accident frequency and load securement claims.
Any trucking account with a prior rollover or load-shift claim faces significant difficulty in the standard market.
New trucking companies (under 2 years) are routinely declined and must use the PEO or assigned risk market.
Common Workers Comp Audit Mistakes for Code 7380
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 7380. These are the most common audit mistakes to avoid.
Classifying dispatchers and office staff under the trucking code (7380) instead of clerical (8810) — overpaying by $2+ per $100.
Not including fuel surcharges and per-diem payments in the audit payroll base when they are effectively additional wages.
Failing to obtain certificates of insurance from owner-operator subcontractors — their payroll gets added to your audit if they lack coverage.
Experience Mod (EMR) & PEO Advantage
Local trucking has a high frequency of backing accidents and loading dock injuries. A fleet with 3+ backing claims in a 3-year window will see their EMR climb above 1.50, making standard market coverage nearly impossible. PEO pools your experience with hundreds of other accounts.
Frequently Asked Questions — Code 7380
What is the workers comp rate for class code 7380 in Florida?
The Florida NCCI rate for class code 7380 (Trucking — Local (Within 50 Miles)) is $4.49 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $6,738.
Can I get same-day workers comp coverage for class code 7380?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 7380 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 7380 considered high-risk in Florida?
Code 7380 is classified as high-risk based on its NCCI rate of $4.49 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 7380?
A traditional policy for code 7380 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 7380, the annual cost would be approximately $6,738.
How do I switch to a PEO program if I already have a workers comp policy for code 7380?
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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