Built for the trades carriers call "high-risk"
If you have been declined, non-renewed, or overcharged, you are exactly who we help.
Straight answers on the coverage that keeps you working
No jargon, no pressure — just Florida-specific help getting the right workers comp in place so you can pull permits, satisfy GCs, and win the next job.
Quote review requests
We line up your details for a clean quote comparison.
Exemption guidance
Understand Florida officer/LLC exemptions the right way.
Class-code help
Get placed in the correct code so you are not overpaying.
COI support
Certificates ready when the GC or client asks.
Serving contractors across South & Central Florida
Local guidance from the Treasure Coast down through Miami-Dade.
Florida workers comp, in plain English
It covers medical bills and lost wages when an employee is hurt on the job. In the construction industry, most employers must carry coverage, and your price is driven by your class code and payroll — not guesswork.
An exemption lets certain corporate officers or LLC members opt out of coverage on themselves. Construction exemptions are limited and must be filed with the state — we help you understand whether one fits your setup.
It is the one-page proof of active coverage that general contractors and clients ask for before you start. We help you request and understand yours.
In Florida construction, sole proprietors and independent contractors are generally treated as employees for workers comp unless a valid exemption is on file — so most still need coverage or an exemption.
Tell us about your business
Send your details and we will line up a workers comp quote review for your trade and city. No pressure, no obligation.
- ✅ High-risk industries welcome
- ✅ Florida-focused guidance
- ✅ COI & exemption support
Declined or overpaying on workers comp?
Get a straight, Florida-focused quote review for your trade — roofing, construction, trees, HVAC, and every other high-risk industry.
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