Florida's Premier Property & Commercial Insurance Agency
Protect Your Employees & Your Business
Workers compensation is required by law in most states for businesses with employees. We specialize in placing standard and hard-to-insure risks across all 50 states — including high-risk industries, large payrolls, and complex operations.
Standard workers comp is required in Florida for businesses with 4 or more employees (1 or more in construction). It covers medical expenses, lost wages, and rehabilitation costs when an employee is injured on the job — and protects you from lawsuits related to workplace injuries.
Any employer with W-2 employees. Required by Florida law for construction with 1+ employees, and all other industries with 4+ employees. Other states have their own thresholds.
Many industries are considered high-risk by standard carriers and either get declined or receive extremely high premiums. We work with specialty markets and surplus lines carriers to find coverage for businesses that standard carriers won't touch.
Construction, roofing, trucking, staffing agencies, demolition, tree trimming, maritime, healthcare, security, and other high-exposure businesses.
Employer's liability is Part B of a standard workers comp policy and covers lawsuits from employees who allege their injury was caused by employer negligence — going beyond the standard workers comp benefits.
Automatically included in all standard WC policies. Businesses in monopolistic states (Ohio, Washington, North Dakota, Wyoming) must purchase a separate "Stop Gap" policy.
A ghost policy is a workers comp policy where the sole owner or officers are excluded from coverage — resulting in a very low premium. It satisfies contractor licensing or certificate requirements while keeping costs minimal for true owner-operators with no employees.
Independent contractors, sole proprietors, and single-member LLCs who need a certificate of insurance for compliance but have no employees on payroll.
A PEO is an alternative to traditional workers comp for businesses that struggle to obtain coverage due to high risk, poor claims history, or large payroll in difficult classes. Through a PEO, your employees are co-employed by the PEO organization, which then provides workers comp under their master policy — often at lower rates than you could obtain independently.
Startups with no MOD history, businesses with poor claims history, high-risk contractors, staffing agencies, and companies with employees in multiple states.
We shop dozens of carriers — including specialty and surplus lines markets — to find the best rate for your class code, payroll, and claims history.
Get WC Quote (813) 803-5036