Florida Workers Compensation & Work Comp Insurance

Workers compensation in Florida is mandatory for any construction employer with one or more employees, and for non-construction employers with four or more employees. Florida First Insurance of Broward places workers comp through the admitted standard markets, the NCCI-affiliated specialty carriers, the assigned-risk pool (JUA) where the open market declines, and the pay-as-you-go programs that tie premium to actual payroll instead of audit-deferred estimate.

Class-code accuracy is where workers-comp accounts are won or lost on price. Misclassifying a roofer (5551 — among the highest rates in the country) into a lower roofing-incidental code, or splitting a contractor's payroll incorrectly across construction and clerical codes, is the kind of mistake that gets caught on year-end audit with a large additional-premium bill. We classify carefully and we re-audit when a carrier's auditor pushes payroll into the wrong code.

Workers comp policies bind for employers across Miami-Dade, Broward, and Palm Beach in the south; Collier and Lee on the southwest coast; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco around Tampa Bay (heavy construction and hospitality concentration); Polk, Orange, and Seminole on the I-4 corridor; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

Workers compensation is placed for Florida employers in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.