When a workplace injury or illness happens, our workers’ compensation coverage puts your team’s welfare first — medical care, wage support, and the help they need to recover and return to work confidently. Premiums are matched to your payroll and class codes, so you pay for the risk you actually carry.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
In most cases, yes. Construction businesses need coverage with one or more employees, non-construction businesses at four or more, and agricultural operations have their own thresholds. We confirm where your business falls before you buy.
Premium is based on your payroll, your employee class codes, and your claims history. Accurate class codes matter — misclassification is one of the most common reasons businesses overpay.
The carrier reconciles the payroll you estimated against what you actually paid, then bills or refunds the difference. Clean payroll records through the year keep that adjustment small and predictable.
Not automatically. Corporate officers and LLC members can elect in or out of coverage in Florida, and the right choice depends on your role and your risk. We walk you through it.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.