Stop Overpaying for
Workers' Comp Insurance
Get a real, itemized quote in under 60 seconds using the actual 2026 Florida rates - 518+ class codes, zero fluff, no agent pressure.
Annual WC Premium Estimate
Get Your Quote in 3 Easy Steps
Enter Your Class Codes
Type in your Florida workers' comp class code(s) and payroll amounts. Not sure of your code? Use our searchable database of all 518+ FL codes.
See Real Rate Calculations
Our tool applies the actual 2026 Florida filed rates to your payroll - no estimates, no rounding errors. You see exactly how the math works.
Compare & Connect
Review your itemized quote, then reach out when you're ready. No pressure. No spam. Just straight answers from Florida specialists.
Built for Florida Business Owners
We built this tool because the question "How much should I actually pay?" deserved a real answer - not a vague estimate from a sales agent.
Truly Instant
No forms to fill out before seeing numbers. Enter a code and payroll, and your quote appears immediately - no waiting, no callbacks.
Florida Specialists
We focus exclusively on Florida workers' comp. That means we know the state's unique requirements, exemptions, and rate structures inside and out.
Real Rate Comparisons
We show you the official filed rate, your current estimated cost, and what you could be paying - side by side, with full math shown.
Legitimate Coverage
Every quote leads to real, admitted Florida workers' compensation coverage from licensed carriers. No surprises at claim time.
518+ Code Database
Our searchable database covers every Florida workers' comp class code, with descriptions and current rates. Find your code in seconds.
Expert Backup
Our automated tool handles 95% of questions instantly. When you need a human, our Florida-licensed specialists are a phone call away.
Workers' Comp for Florida Trades
Every trade has its own class codes and rate exposures. See the 2026 FL rates and coverage details for your industry.
Don't see your trade? Browse all 518+ Florida class codes →
Florida Contractors Who Made the Switch
"After Hurricane Milton, my carrier sent a non-renewal notice. I couldn't afford a big down payment and needed coverage fast. Got set up in under a week. Saving about $11,000 a year versus what the E&S market was going to charge me."
"My experience mod hit 1.42 after a bad claim year. The standard market wouldn't give me a reasonable rate. Now I'm on a PEO program, pay by payroll cycle, and there's no year-end audit. Nobody explained this option to me before."
"Three employees, small operation. I was paying $8,400 a year. Down to about $5,100 now. The quote tool showed me the difference in two minutes. Switching was way simpler than I expected."
"The tool showed me my WC rate was almost two points above the filed FL rate. I had no idea. Called the number, someone walked me through it the same day. Saved over $9,000 on a $450k payroll."
Coverage Active in 3–7 Business Days
Most Florida contractors assume getting workers' comp takes weeks. Through our PEO program, the window from application to active coverage — with a certificate in hand — is typically 3 to 7 business days.
Workers' comp coverage cannot be backdated. If you need to be on a job site next week, start the process today.
Start Your ApplicationFrom Application to Active Coverage
Business info, payroll by class code, employee count — takes 30–60 min with records ready.
PEO reviews class codes, payroll, and loss history. Clean histories reviewed within 24–48 hrs.
All-in cost breakdown sent to you. Review figures, sign via DocuSign — most sign same day.
Premium collected with your first payroll run. Certificate of insurance issued same day.
New businesses without prior coverage or loss runs typically move through underwriting fastest — no claims history to review.
Ready to See What You Should Actually Be Paying?
Florida business owners save an average of thousands per year when they switch. Find out in 60 seconds - free, no obligation.