Put an End to Excessive Expenditures on Employer Liability Coverage Solutions
Authentic workers' compensation rates from the National Council on Compensation Insurance. Holding a Florida state license continuously since 1988.
A Florida Insurance Agency, Not a Tech Startup
Brian and Jordan Varnadore have been placing Florida businesses in workers' compensation coverage since 1988. GarrettRichard is a licensed Florida PEO agency — not a lead-generation site. When you call, you reach a licensed agent who knows Florida comp law, not a call center.
The quote tool gives you instant access to the same 2026 NCCI rates we use every day. Use it to understand what you should be paying — then call us when you're ready to make the switch.
Prepared to reduce your workplace injury expenses?
Businesses in Florida can potentially reduce their annual expenditures by a substantial amount by making a change. Discover your potential savings in just one minute, with no cost or commitment required.
Three Steps to Better Coverage
Search 518+ Florida class codes by trade description. Most contractors find theirs in under 30 seconds.
Your 2026 NCCI rate is applied to your payroll line by line — WC, SUTA, and admin fees shown separately.
Ready to switch? One call to a GarrettRichard agent and we handle the rest. Average setup time: same business day.
We Specialize in Florida Contractor Coverage
Every trade has different class codes, rate levels, and risk profiles. GarrettRichard has worked with contractors across every major Florida trade since 1988.
Browse All 518+ FL Codes →You'll Talk to One of Two People
No call centers. No handoffs. When you reach out to GarrettRichard, you speak with Brian or Jordan directly.
FL 218 & 220 General Lines since 1988. Over 35 years placing Florida contractors — roofing, framing, concrete, trucking, and everything in between. Has seen every kind of claim, every kind of carrier, and knows exactly what it takes to get your coverage in place fast.
BBA in Marketing, University of Mississippi, 2011. Joined GarrettRichard immediately after graduation and built the systems that run the quote tool, the rate database, and this site. Handles digital quotes, complex multi-code accounts, and new client setup.
Prepared to reduce your workplace injury expenses?
Businesses in Florida can potentially reduce their annual expenditures by a substantial amount by making a change. Discover your potential savings in just one minute, with no cost or commitment required.