Workers' comp and benefits for Florida crews
Get your crew covered through a Florida-licensed PEO. Comp is billed with each payroll instead of a big deposit up front, and your best people get real health insurance.
Free, no obligation to switch. We don't place roofing or tree-service accounts.
Proof of coverage
Posted at the job site. Yours could read like this.
- Trade
- Your trade
- Crew
- Your crew
- Workers' comp
- Covered under the PEO's policy
- Benefits
- Health, dental, vision, 401(k)
- Billed
- With each payroll
Illustration only. Coverage depends on PEO approval.
Florida's comp rules land hardest on small crews
Construction has the strictest rules in the state, and the inspectors know where to look.
- 1 employee
Coverage starts with your first hire. In construction, comp is required once you have one employee, and owners count unless they've filed for an exemption. Most other businesses get to four employees first.
- 3 owners
Only three can be exempt. In construction, up to three corporate officers or LLC members who each own at least 10% can opt out. Everyone else on payroll has to be covered.
- $1,000 a day
Stop-work orders are expensive. The state can shut a job down when coverage is missing. Working through the order costs $1,000 a day, on top of a penalty of twice the premium you should have paid over the past 12 months.
- Your subs
Uncovered subs become your problem. If a subcontractor doesn't carry comp, Florida law makes you responsible for covering their workers on your job.
From Florida Statutes 440.02, 440.05, 440.10, and 440.107. More on Florida comp rules.
How a quote works
You don't need documents to start. We ask for them once there's a number worth looking at.
Tell us about your crew
Trade, headcount, rough payroll, and what you pay for comp now. It takes about five minutes.
We shop it
We take your details to Florida-licensed PEO partners that write your trade and get real numbers back.
You compare and decide
You get the quote side by side with your current costs. If it isn't better, you keep what you have.
Trades we quote
Ground-level construction and field-service crews. Class codes are the usual ones for each trade; the carrier sets your final code.
- HVACClass 5537
- PlumbingClass 5183
- ElectricalClass 5190
- Landscaping and lawn careClass 0042
- Pool service and constructionCode varies by work
- Remodeling and handymanClass 5645 and others
- Drywall, flooring, interior paintClasses 5445, 5478, 5474
- Cleaning and janitorialClass 9014
- Pest controlAsk us
- Pressure washingAsk us
We don't place roofing or tree-service accounts. Our PEO partners don't write roofing, tree work, or utility pole work.
Benefits that keep your good people
A licensed tech or a lead who can run a job without you is hard to replace. The big outfits keep them with health insurance. Through a PEO, a ten-person crew can offer the same kind of plan.
- Medical, dental, and vision plans
- 401(k) with payroll deductions handled for you
- Life and disability options
- You choose how much of the premium you pay
- Deductions and enrollment run through payroll
Based in Pensacola, working the Panhandle
We can meet you at the shop or on a job. Crews elsewhere in Florida can get a quote too.
Common questions
How much does it cost?
It depends on your trade, your payroll, and your claims history, so there's no honest flat number. PEOs usually price workers' comp and their service together as one rate on payroll. We get the numbers from our PEO partners and put them next to what you pay now, so you can see the difference in dollars.
Do I have to switch payroll to get comp this way?
Yes. With a PEO, comp is billed through payroll, so the PEO runs your payroll too. Most owners find that's a relief: paychecks, payroll taxes, W-2s, and comp all come from one place.
Do you work with roofers or tree services?
No. Our PEO partners don't take crews that work on roofs or in trees, so we don't quote those accounts.
How fast will I hear back?
Within one business day of your request. A full quote usually needs your current declarations page and loss runs, and we'll tell you exactly what to send.
Find out what your crew would pay
Tell us your trade and headcount. We'll shop it with our PEO partners and send you a side-by-side against what you pay now, usually within one business day.