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We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Florida employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Pay As You Go Workers Compensation
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We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

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We're a national agency, but Florida is one of our top states for workers comp coverage. That's because we offer dozens of insurance companies that specialize in workers compensation. Their looking to quote your insurance today.

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Florida Owners and Officers

State regulations regarding owners and officers' ability to include or exclude themselves from coverage can be cumbersome. Rules vary significantly between non-contractor and construction related risks. We'll help you navigate the laws and get the most affordable policy.

Need Help With Florida Class Codes?

Insurance rates can vary significantly between NCCI classification codes. Let our FL Workers Compensation Specialists help you determine your correct workers compensation class codes before your buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Florida. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.

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Did you know that the cost of a workers comp policy in Florida can vary significantly between insurance company, underwriter, and insurance agency?
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Purchasing Workers Comp Insurance in Florida

2019 Florida Coverage Requirements

  • Non-construction companies with four or more full or part-time employees are required to purchase workers compensation insurance in Florida. All construction related businesses are required to purchase coverage regardless of the number of employees unless the entity is permitted to file an owner exemption.
  • Construction related companies are almost always required to have coverage. Sole-proprietors and partners are not allowed to be exempt from workers comp insurance. A corporation or an LLC may exempt up to 3 Officers if each Officer owns a minimum of 10% stock.
  • Sole-Proprietors and Partners (non-construction) are not required to cover themselves on workers compensation and are automatically excluded. They can elect to be covered by filing form DWC-251. A Notice of Election Form WC1415 form must be filed with he state and insurance company.
  • Corporate Officers (non-construction) can be exempt from coverage if they own stock and hold office on the Board of Directors.
  • LLC Members (non-construction) are treated as employees automatically, but they may elect to be exempt from coverage.

2019 Payroll Requirements for Owners

  • Sole-Proprietors and Partners included in coverage are required to utilize a minimum payroll of $47,700 (effective 01-01-2019).
  • Executive Officers who are included in coverage must use a minimum payroll of $46,800 and a maximum payroll of $145,600 for premium rating (Accurate as of 3/1/2019, last updated by the state on 1/1/2019). Officers in the construction industry must use a minimum of $23,400.
  • LLC Members minimum payroll requirement is determined by how the LLC is established for tax purposes: sole-proprietor, partnership, or corporation. Contractors will all be treated as a corporation.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.
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