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How the Quote Tool Works

As a trusted Florida workers' comp PEO agency, I guide my clients through a straightforward four-step process to uncover potential cost savings. It starts with a simple question: what am I currently paying for workers' compensation? From there, I help them navigate the complexities of Florida law, including the requirements outlined in **Section 440.38, Florida Statutes**, which mandates that employers with four or more employees, either full-time or part-time, must secure workers' compensation coverage. Next, I delve into the details of their current policy, including the **$100,000 per occurrence and $500,000 aggregate** limits for certain types of businesses, as well as the **Florida Statutes, Chapter 440**, which governs workers' compensation in the state. By examining these factors and more, I can provide my clients with a clear picture of their potential savings, and ultimately, deliver a customized quote that shows them exactly how much they could save by partnering with me.

1
Enter Your Class Codes & Payroll

Type in your Florida workers' comp class code(s), number of employees, and annual wages. Not sure of your code? Use the built-in live search to find it by keyword or trade description.

2
We Pull the Real 2026 Rates

The tool looks up the actual 2026 Florida filed rate for each code - set by NCCI and approved by FLOIR. No estimates, no rounded numbers. You see the exact rate per $100 of payroll.

3
Side-by-Side Cost Comparison

Your current Workers' Comp charge, SUTA, and admin fees are calculated and shown alongside what our typical clients pay - broken down line by line so you can see exactly where the savings come from.

4
Connect When You're Ready

There's no obligation and no sales pressure. Review your quote, bookmark it, and reach out when you're ready to move forward. A Florida-licensed specialist will handle everything from there.

What the Quote Calculates
Line Item How It's Calculated Why It Matters
Workers' Comp Premium Your WC charge rate × annual wages Usually the biggest line item - where most savings are found
SUTA (Unemployment) Your SUTA rate × $7,000 wage base × employees FL caps SUTA at $7,000/employee - we honor this cutoff exactly
Admin Fee Your admin rate × annual wages PEO admin fees vary - our clients typically pay 2.4%
FICA & FUTA Fixed federal rates (7.65% + 0.6%) Shown for completeness - these are non-negotiable federal obligations
Total Annual Cost Sum of all above - compared current vs. with us

Good to Know

No Login Required
Just enter your codes and go. No account, no email gate, no forms before you see numbers.
2026 Rates Live
The tool uses the current 2026 Florida filed rates updated directly from NCCI data.
Estimate, Not a Binder
Results are estimates based on your inputs. Final rates go through underwriting - but the math is real.
Specialists Available
Questions the tool can't answer? Call (941) 212-6667 - a Florida-licensed specialist picks up.

Ready to See What You Could Save?

Florida contractors save thousands when they switch. Get your instant quote — free, no obligation.