Construction businesses need it from the first employee, and corporate officers count as employees unless they file an exemption. Most other businesses need it at four employees, part-time included. Agricultural employers need it at six regular or twelve seasonal workers.
Carriers price it by job classification and payroll, then audit the real numbers after the policy year. If we also run your payroll, we can keep the classifications and estimates accurate, so the audit doesn’t bring a surprise bill.
Landlords, clients and general contractors often ask for a certificate of insurance before you can start. A business owner’s policy (BOP) combines liability and property coverage for many small businesses in one package.
We look at what your business does, what it owns and how many people you employ, then put the options side by side: limits, deductibles, exclusions and price.
If we already keep your books or run your payroll, most of this is in our files. That is one of the reasons insurance and accounting work well together.
An LLC can protect your personal assets from business debts, but it doesn’t pay claims. If you sign a lease, hire people or work at clients’ sites, you will likely need coverage from day one. We can form the company and quote the coverage together.
After the policy year, the carrier compares the payroll you estimated with your actual payroll and adjusts the premium up or down. Accurate payroll records make the audit routine.
Some corporate officers can elect an exemption through the Florida Division of Workers’ Compensation. The rules are stricter in construction. We check whether you qualify before you buy a policy.
Yes. Once your policy is active, tell us who needs to be listed and we help you request the certificate from your insurance company.
Tell us what to quote and how to reach you. A licensed agent gets back to you with options, in English or Spanish.
Florida’s required PIP and property damage coverage, plus the protection the minimum leaves out.
See coverageTerm and permanent life insurance for families and business owners, sized to real numbers.
See coverageIndividual and family health plans compared on networks, deductibles and out-of-pocket costs.
See coverageCall and ask for the insurance team. A licensed agent walks you through the options for your home, car, business, health or family.
(786) 612-5021