No. Assigned risk (FWCJUA) is a last resort. High risk E&S coverage is still voluntary market—just specialized. E&S rates are often 15-30% lower than JUA rates for the same risk.
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We work with multiple carriers to provide flexible and affordable workers’ compensation insurance plans designed to meet your business needs.
Workers’ compensation laws can be complex and vary by state. We make sure your business remains fully compliant while reducing risks that could lead to costly fines or legal challenges.
Your employees are the backbone of your business. With comprehensive workers’ compensation coverage, we ensure they are financially and medically supported in the event of workplace injuries or illnesses.
Managing insurance on top of running a business can be overwhelming. We simplify the process by handling all the detailspolicy comparisons, carrier negotiations, claims support, and renewals
By choosing our workers’ compensation insurance services, you save money with access to multiple carriers and competitive rates, while staying fully compliant with state laws to avoid costly penalties.
Your employees gain reliable protection in case of workplace injuries or illnesses, giving them a sense of security and trust in your business. With our guidance, you enjoy a stress-free process—from policy selection to claims handling—ensuring your business runs smoothly without disruptions.
Ultimately, our solutions safeguard your bottom line, strengthen employee loyalty, and give you the peace of mind to focus on growth.
Any agency with 30% or more payroll in construction class codes (8018, 5022, 5040), an E-Mod above 1.25, or prior cancellation for claims frequency.
Yes. The Florida residual market (FWCJUA) must accept you by law. However, a specialty broker can often place you with an E&S carrier at lower rates than the JUA.
With a complete payroll history and loss runs, 48 to 72 hours. Emergency same-day bind is possible for agencies with clean loss runs but high-risk classes.
For very small agencies (under $100k payroll), minimum premiums start at $7,500 to $12,000 annually depending on class mix.
Yes. Most E&S carriers offer monthly payment plans with 20-25% down. Some brokers offer third-party premium financing even after a declination.
Yes. Most E&S carriers offer monthly payments with 20–25% down. Third-party financing is also available.
