What code 7380 covers
Typical duties
- Driving sedans, SUVs, vans or limousines for clients on a schedule or by reservation
- Delivering the employer’s own products, parts or documents in a company vehicle
- Riding along as a driver’s helper to load and carry items at the stop
- Pre-trip vehicle checks, fueling and keeping the vehicle clean
- Waiting with the vehicle at events, airports or job sites between runs
Operations included
- Limousine, chauffeur and executive car services
- Drivers and helpers of an employer whose governing code wording does not include drivers
- Route drivers who deliver goods their employer sells, when no store or wholesale code covers them
- Employees whose main job is moving the employer’s staff or equipment between locations
What code 7380 does not cover
- Hauling property for others as a business: 7219 trucking NOC
- Taxicab companies: code 7370
- Bus, charter and shuttle operations: 7382, and school transportation contractors: 7383
- Outside salespeople who drive to appointments but do not deliver: 8742
- Drivers for businesses whose code already says “& drivers”, such as many construction codes: they stay in that code
Code 7380 rate and cost context
The 2026 rate for 7380 is $4.492 per $100 of payroll, somewhat below the 7219 trucking rate. Because 7380 often sits on the same policy as a low-rated office or sales code, misplacing one driver can noticeably raise the blended cost.
Florida’s filed rate for 7380 has drifted down since 2022, with a small bump in 2025. Losses in this code are driven by vehicle crashes and by lifting injuries for helpers, so a clean motor-vehicle record program and loading training show up in the experience mod over time.
| Year | Rate per $100 |
|---|---|
| 2022 | $5.15 |
| 2023 | $4.82 |
| 2024 | $4.17 |
| 2025 | $4.59 |
| 2026 | $4.492 |
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 $8.67 (Tier 1) or $12.71 (Tiers 2–3) per $100 of payroll before any experience mod.
Example: estimating code 7380 premium
Picture a car service with five full-time chauffeurs and $180,000 of combined annual payroll in code 7380.
| Annual payroll in this code | $180,000 |
| Voluntary-market premium (rate × payroll ÷ 100) | $8,086 |
| FWCJUA Tier 1 (with 93% surcharge) | $15,605 |
| FWCJUA Tiers 2–3 (with 183% surcharge) | $22,882 |
Example only. Assumes no experience modification, schedule credits, expense constant or taxes. Minimum premium applies if the result is lower ($609 / FWCJUA $2,900).
Misclassification pitfalls for code 7380
Putting every driver in 7380 by default
If your governing code already includes drivers in its wording, the drivers belong in that code. Adding a separate 7380 line for them overstates premium and confuses the audit.
Leaving a delivery driver in 8810
An office business that has one person making daily deliveries cannot keep that person in clerical. The driving time puts them in 7380.
Chauffeur services paying drivers as contractors
Car-service drivers who use the company’s vehicles, follow its dispatch and wear its uniform are usually employees under Florida law. Auditors add their pay to 7380 when no certificate of insurance or exemption is on file.
Confusing 7380 with towing
Older sites and quotes sometimes label 7380 as “light towing.” Towing is hauling a vehicle you do not own and belongs in 7219.
Codes that sit next to 7380
- Code 7219: when the business hauls freight or tows vehicles for others.
- Code 7370: for taxicab companies, where drivers and dispatch share one code.
- Code 7382: for bus and charter passenger companies.
- Code 8742: for salespeople whose driving is incidental to selling, not delivering.
- Code 8810: for office staff who never drive for the business.
Payroll and audit notes for code 7380
Count wages, tips that are reported to the employer, and any bonuses for the driving staff. Wait time is paid time and is payroll in 7380 like any other hour.
If one employee splits time between a separated office and driving, the safest approach for audit is a time log by day. Without it, the auditor will put the full wage in 7380, the higher-rated code.
Keep motor-vehicle records and the vehicle assignment list with your payroll files. Auditors use them to confirm who actually drove.
Who usually reports code 7380
- Limousine and executive car services
- Medical and dental labs that deliver to offices
- Office-supply or parts businesses with company delivery vans
- Event and hospitality firms that shuttle guests in company vehicles
- Property and facility businesses with a dedicated runner
Code 7380 questions
What is class code 7380 in workers comp?
It is the NCCI classification for commercial drivers, chauffeurs and their helpers. It covers chauffeur services and the drivers of businesses whose own code does not include drivers.
Is 7380 a trucking code?
Not for hauling other people’s freight. For-hire trucking and towing go to 7219 in Florida. Code 7380 is for driving that supports the employer’s own business or carries passengers.
What is the 7380 rate in Florida for 2026?
The OIR-approved NCCI rate is $4.492 per $100 of payroll, effective January 1, 2026. FWCJUA policies add a 93% or 183% surcharge depending on tier.
Do Uber or Lyft drivers fall under 7380?
Drivers who work through a rideshare app as independent users of the platform are not your employees. If your business employs drivers and dispatches them in your vehicles, 7380 or 7370 can apply, depending on how the service is set up.
Can a delivery driver be split between 7380 and a store code?
Only when the store’s code does not include drivers and you keep time records. Many retail codes include delivery in their wording, which keeps the driver in the store code.
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.