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Workers Compensation
Required, regulated, and still shoppable
Florida requires workers comp for most construction businesses with any employees and most others at four or more. Rates are filed, but what you actually pay depends on classification codes and your experience mod - both of which can be managed.
Class codes decide your premium
Clerical staff rated as field labor, subcontractors without certificates landing on your audit - misclassification is epidemic and expensive. We scrub the codes and track sub certificates so their payroll never becomes yours.
Exemptions: useful and dangerous
Florida lets qualifying construction owners exempt themselves, but exemptions do not cover your crew and do not satisfy most GC requirements. We will tell you honestly when the exemption works and when it is a trap.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.