No. We represent the same major carriers as anyone else, including several AM Best "A" rated carriers. Lower costs come from our relationships with providers and PEO arrangements - not from cutting corners on coverage quality.
We work with Professional Employer Organizations (PEOs) and specialty carriers that pool hundreds of businesses together to access group rates normally reserved for large employers. Those savings get passed directly to our clients.
They don't exist in our program. We offer pay-as-you-go Workers' Comp tied to your actual payroll cycle. Premium is calculated and collected each pay period based on real wages - no surprise audit bill at year-end.
Absolutely. In fact, helping construction, high-risk, and bad-loss-history clients find affordable Workers' Comp is a core part of what we do. Our 20+ years of experience in the industry means we know which carriers and programs are the right fit.
In Florida, an Experience Modification Rate (EMR or "mod") is assigned to each qualifying business. It's a multiplier based on your claims history that adjusts the manual (filed) rate up or down. A mod above 1.0 means higher premiums; below 1.0 means a discount. Even a high mod doesn't mean you can't find affordable coverage - placement strategy matters.
Zero. Unlike traditional carriers that require a down payment (sometimes 10–25% of annual premium up front), our pay-as-you-go programs collect premium each payroll cycle. Setup fees occasionally apply, but we work to waive them for our clients whenever possible.
There is no cost and no catch. The quote tool is completely free to use with no obligation. We built it because Florida business owners deserve to see real numbers before making a decision - not vague ballparks from a sales pitch.
The tool uses the actual 2026 Florida filed rates published by NCCI and approved by the Florida Office of Insurance Regulation. Your final premium after underwriting may vary based on your experience modifier, payroll audit, or carrier selection - but the tool gives you a real baseline, not a guess.
Yes. When payroll and Workers' Comp are combined through a PEO, it's critical that SUTA and FUTA are not charged on wages past the annual cutoff amounts. We only work with providers that properly apply these cutoffs - and our quote tool calculates SUTA costs using the correct Florida wage base of $7,000 per employee.
No problem. New businesses often qualify for favorable rates since there's no claims history to penalize. We've helped many first-time buyers get set up quickly with compliant Florida workers' comp coverage and integrated payroll.
Our tool currently uses the 2026 Florida filed rates. Rates are set by NCCI and updated annually through the Florida Office of Insurance Regulation (FLOIR). We update our database whenever new rates take effect.
A Professional Employer Organization (PEO) is a company that co-employs your workforce, allowing your employees to access the PEO's large group workers' comp rates, HR infrastructure, and payroll systems. For small and mid-sized Florida businesses, a PEO often provides significantly lower Workers' Comp rates than a standalone policy - along with the benefit of no year-end audit.
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