Simplify Workers’ Compensation in Florida with Pay-As-You-Owe Coverage
Choosing the Right Workers’ Comp Policy can give you predictable cash flow.
Most states require businesses to carry Workers' compensation insurance and requirements can vary based on factors such as location, industry, and number of employees. In Florida, eligibility is based on employee count, and workers’ compensation rates are set by the state. Because rates are regulated, the real difference from one agency to the next is the expertise, service, and support they provide.
With over twenty years of nationwide experience, we specialize in making workers’ compensation simple and stress-free. We take the burden off your shoulders by actively managing your policy and helping you avoid costly mistakes. Our Pay-As-You-Owe payment plan eliminates large down payments, improves cash flow, and aligns your premiums with actual payroll, which frees up capital you can reinvest in growing your business.
We go beyond placing a policy. Our team assists with inspections, audits, class code verification, compliance guidance, and other critical details that can significantly impact your costs and exposure. No matter where you operate, we provide the hands-on support and expert advice businesses need to stay compliant, control expenses, and focus on what matters most running their business.
Understanding PAY-AS-YOU-OWE, or PAYO
Are you tired of paying installments based on estimated payroll amounts? Are you tired of taking time out of your busy schedule to remit payment? Not only is it time-consuming, but an installment pay-plan can often lead to an unexpected audit balance. Since the premium for a Work Comp policy is based off the estimated annual premium for the following year, it can be challenging to track. There may be natural rises and falls in your payroll throughout the year, which has a direct impact on the premium paid to the policy. With PAYO, the premium is based on the specific amount of payroll for each check date. This prevents inaccurate premium payments, which often leads to unpleasant audit results. Although comp audits rarely result in a zero balance, the PAYO payment plan allows for significantly more accurate audit results. Our PAYO program allows you to reap the benefits of your comp policy without the stress and loss of time. To find out more, please reach out to our Work Comp department for more details.
Multiple Carriers & Plan Arrangements
We have access to many A-Rated insurance carriers who offer safety resources, dividend plans, deductible options, and several types of rating plans. Whether it’s a guaranteed cost, or a retro program, we have specific plans to meet your needs.
20 Years of Experience in Florida Workers’ Compensation
Drug-Free Workplace Programs
Workplace Safety Programs
Return to Work Programs
Claims Analysis
Trying to control your claims experience can leave you feeling powerless. We can help! Our tools and resources help us respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine where significant losses are occurring and develop strategies to mitigate them.
Premium Audits
Premium Audits occur annually for Workers’ Compensation, approximately 30-60 after the policy renews. We understand that it can be stressful, and we are here to help! Our team is able to provide you with the majority of the necessary paperwork to complete your audit. We are here to support you through the process by corresponding with the carrier on your behalf and answering any questions you may have. After the audit is completed, we’re happy to review the results with you for better understanding.
Are you 100% certain that your experience modification factor is correct? Has your agent ever showed you how much each individual claim is affecting your experience mod? We have the expertise to verify the accuracy of your experience mod. In addition, we will pinpoint how much each individual claim is costing you and provide you solutions for reducing them.
For Business: For Workers Comp inquiry fill our short feedback form or you can also Call – (941) 487-7275 and we’ll get in touch shortly.
Office Hours : 09:00 and 5:00 Mon to Fri | Sat, Sun – Holiday
