{"id":1089,"date":"2025-09-11T17:26:49","date_gmt":"2025-09-11T17:26:49","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?page_id=1089"},"modified":"2026-10-28T21:24:26","modified_gmt":"2026-10-29T01:24:26","slug":"florida-workers-compensation-insurance-for-businesses","status":"publish","type":"page","link":"https:\/\/suninsuranceservices.com\/es\/florida-workers-compensation-insurance-for-businesses\/","title":{"rendered":"Seguro de compensaci\u00f3n laboral para empresas en Florida"},"content":{"rendered":"\n<style>\n.sun-wc-page{\n  --sun-purple:#4A1A5C;\n  --sun-orange:#F59222;\n  --sun-yellow:#FFD204;\n  --sun-lavender:#8A6B95;\n  --sun-yellow-soft:#FFF9D9;\n  --sun-lavender-soft:#F6F1F7;\n  --sun-cream:#FFFDF6;\n  --sun-ink:#302A33;\n  --sun-muted:#6C6570;\n  --sun-border:#E8DFEA;\n\n  width:100vw !important;\n  max-width:100vw !important;\n  margin-left:calc(50% - 50vw) !important;\n  margin-right:calc(50% - 50vw) !important;\n  overflow-x:hidden;\n  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var(--sun-border);\n  border-radius:11px;\n}\n\n.sun-wc-page summary{\n  color:var(--sun-purple);\n  font-weight:800;\n  cursor:pointer;\n}\n\n.sun-wc-page details p{\n  margin:12px 0 0;\n}\n\n.sun-wc-page .agent-layout{\n  display:grid;\n  grid-template-columns:minmax(0,1fr) minmax(260px,.38fr);\n  gap:28px;\n  align-items:center;\n}\n\n.sun-wc-page .agent-card{\n  padding:24px;\n  background:#fff;\n  border:1px solid var(--sun-border);\n  border-top:5px solid var(--sun-yellow);\n  border-radius:15px;\n}\n\n.sun-wc-page .quote-panel{\n  width:100%;\n  padding:34px;\n  background:linear-gradient(\n    135deg,\n    var(--sun-yellow-soft),\n    #fff 58%,\n    var(--sun-lavender-soft)\n  );\n  border:1px solid #EBD46C;\n  border-radius:22px;\n}\n\n.sun-wc-page .fine-print{\n  width:calc(100% - 40px);\n  max-width:1100px;\n  margin:0 auto;\n  padding:20px 0 36px;\n  color:var(--sun-muted);\n  font-size:13px;\n  text-align:center;\n}\n\n@media(max-width:900px){\n  .sun-wc-page .hero-panel,\n  .sun-wc-page .agent-layout{\n    grid-template-columns:1fr;\n  }\n}\n\n@media(max-width:700px){\n  .sun-wc-page .sun-container{\n    width:calc(100% - 28px);\n  }\n\n  .sun-wc-page section{\n    padding:36px 0;\n  }\n\n  .sun-wc-page .hero-panel{\n    padding:34px 20px;\n  }\n\n  .sun-wc-page .button-row{\n    display:grid;\n    grid-template-columns:1fr;\n  }\n\n  .sun-wc-page .sun-button{\n    width:100%;\n    text-align:center;\n  }\n\n  .sun-wc-page .quote-panel{\n    padding:24px 18px;\n  }\n}\n<\/style>\n\n<article class=\"sun-wc-page\" id=\"florida-workers-compensation\">\n\n<section class=\"hero\">\n  <div class=\"sun-container\">\n    <div class=\"hero-panel\">\n      <div>\n        <span class=\"eyebrow\">Florida Workers Compensation<\/span>\n        <h1>Workers\u2019 Compensation Insurance for Florida Businesses<\/h1>\n        <p>Compare Florida workers\u2019 compensation insurance options, understand employee thresholds, review class codes, manage audits, evaluate pay-as-you-go billing, and address certificates or subcontractor requirements.<\/p>\n        <p>Sun Insurance Services helps Florida employers match workers\u2019 compensation coverage to their industry, payroll, employee duties, ownership structure, claims history, contracts, and business operations. If your company already carries workers\u2019 comp, a renewal review can help identify changes in payroll estimates, employee class codes, subcontractor exposure, claims experience, and audit readiness.<\/p>\n\n&#8220;`\n    <div class=\"button-row\">\n      <a class=\"sun-button\" href=\"#wc-quote\">Request a Workers\u2019 Comp Review or Quote<\/a>\n      <a href=\"https:\/\/suninsuranceservices.com\/scott-mauldin\/\">Meet Scott<\/a> \u00b7 <a class=\"sun-button secondary\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n      <a class=\"sun-button orange\" href=\"sms:+14077811609\">Text Scott<\/a>\n    <\/div>\n  <\/div>\n\n  <aside class=\"quick-card\" aria-label=\"Florida workers compensation quick answer\">\n    <h2>Quick Answer<\/h2>\n    <p><strong>Most Florida non-construction employers with four or more employees generally must carry workers\u2019 compensation insurance. Construction employers generally need coverage with one or more employees. Agricultural employers have separate thresholds.<\/strong><\/p>\n    <p>Ownership, valid exemptions, subcontractors, out-of-state operations, and the type of work performed can change the analysis.<\/p>\n  <\/aside>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container\">\n    <div class=\"parent-link\">\n      <h2 style=\"font-size:25px;\">Part of the Florida Commercial Insurance Hub<\/h2>\n      <p>Workers\u2019 compensation is one part of a complete commercial insurance program. Review our <a href=\"https:\/\/suninsuranceservices.com\/business-in-florida\/?utm_source=workers_compensation_page&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\"><strong>Florida Commercial Insurance guide<\/strong><\/a> for general liability, commercial property, commercial auto, cyber liability, professional liability, certificates, business owners policies, and industry-specific coverage.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"workers-comp-benefits\">\n  <div class=\"sun-container\">\n    <h2 class=\"center\">Florida Workers\u2019 Compensation Support<\/h2>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Multi-Carrier Comparison<\/h3>\n    <p>As an independent insurance agency, Sun Insurance Services can compare available workers\u2019 compensation options from multiple carriers.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Class-Code Review<\/h3>\n    <p>Employee duties should be matched to accurate workers\u2019 compensation classifications to reduce audit disputes and incorrect premium estimates.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Pay-As-You-Go Options<\/h3>\n    <p>Available programs can calculate premium using reported payroll throughout the policy term instead of relying entirely on one annual estimate.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Certificate Support<\/h3>\n    <p>Routine certificates can often be issued promptly after coverage is active and the request matches the policy.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Audit Guidance<\/h3>\n    <p>We can help businesses understand payroll, classifications, subcontractor records, and documentation requested during an audit.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Owner Exemptions<\/h3>\n    <p>Eligible corporate officers and LLC members may be able to apply for an exemption, subject to Florida requirements and industry limitations.<\/p>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"who-needs-workers-comp\">\n  <div class=\"sun-container\">\n    <h2>Who Needs Workers\u2019 Compensation Insurance in Florida?<\/h2>\n    <p>Florida workers\u2019 compensation requirements depend on the industry, employee count, ownership structure, exemptions, subcontractors, and whether an out-of-state employer is performing work in Florida.<\/p>\n\n&#8220;`\n<div class=\"table-wrap\" role=\"region\" aria-label=\"Florida workers compensation requirements\" tabindex=\"0\">\n  <table>\n    <thead>\n      <tr>\n        <th scope=\"col\">Employer Type<\/th>\n        <th scope=\"col\">General Florida Threshold<\/th>\n        <th scope=\"col\">Important Considerations<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Non-Construction<\/td>\n        <td>Four or more employees, including qualifying full-time and part-time employees.<\/td>\n        <td>Corporate officers and LLC members can affect the employee count depending on exemption status.<\/td>\n      <\/tr>\n      <tr>\n        <td>Construction<\/td>\n        <td>One or more employees.<\/td>\n        <td>Construction businesses face stricter requirements and should verify subcontractor coverage or valid exemptions.<\/td>\n      <\/tr>\n      <tr>\n        <td>Agriculture<\/td>\n        <td>Generally six regular employees or twelve seasonal employees meeting statutory work-duration thresholds.<\/td>\n        <td>Agricultural requirements differ from ordinary non-construction employers.<\/td>\n      <\/tr>\n      <tr>\n        <td>Out-of-State Employer<\/td>\n        <td>Florida-compliant coverage may be required when employees perform work in Florida.<\/td>\n        <td>Florida may need to appear in Section 3.A. of the policy, subject to applicable reciprocity rules.<\/td>\n      <\/tr>\n      <tr>\n        <td>Contractors and Subcontractors<\/td>\n        <td>Coverage responsibility depends on employee status, industry, exemptions, and contractual relationships.<\/td>\n        <td>A contractor may become responsible for uninsured subcontractor exposure.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p>Review current requirements through the <a href=\"https:\/\/www.myfloridacfo.com\/division\/wc\/employer\/coverage-requirements\" target=\"_blank\" rel=\"noopener\">Florida Division of Workers\u2019 Compensation<\/a>.<\/p>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"workers-comp-coverage\">\n  <div class=\"sun-container\">\n    <h2>What Does Florida Workers\u2019 Compensation Insurance Cover?<\/h2>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Medical Benefits<\/h3>\n    <p>Workers\u2019 compensation may pay authorized medical expenses for a qualifying work-related injury or occupational illness.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Lost-Wage Benefits<\/h3>\n    <p>Eligible employees may receive partial wage-replacement benefits when a covered injury prevents or limits work.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Disability Benefits<\/h3>\n    <p>Benefits can apply to qualifying temporary or permanent disabilities, subject to Florida law and claim circumstances.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Death Benefits<\/h3>\n    <p>Qualifying dependents may receive statutory benefits when a covered workplace injury results in death.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Rehabilitation<\/h3>\n    <p>Covered services may include rehabilitation or vocational assistance designed to support an employee\u2019s return to work.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Employer\u2019s Liability<\/h3>\n    <p>The policy generally includes employer\u2019s liability coverage for certain employee injury claims not addressed exclusively by statutory benefits.<\/p>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"workers-comp-renewal-review\"><div class=\"sun-container\"><h2>Workers\u2019 Compensation Renewal Reviews for Established Florida Employers<\/h2><p>For businesses with growing payroll, changing job duties, subcontractors, or multiple locations, a workers\u2019 compensation review should look beyond the quoted premium. Accurate exposure information can help reduce surprises at audit and support a more informed carrier comparison.<\/p><h3>How can an established employer prepare for a workers\u2019 comp renewal?<\/h3><p>Gather current policy details, projected payroll by employee classification, recent audit results, loss runs when available, subcontractor certificates, and ownership or exemption changes. Review any experience modification factor applicable to your business.<\/p><h3>Can higher payroll affect workers\u2019 compensation costs?<\/h3><p>Often, yes. Premium calculations commonly incorporate payroll and classification rates, together with experience rating and other policy-specific factors. A significant increase in payroll may change both estimated premium and the amount due after audit.<\/p><p><a href=\"#wc-quote\">Request a workers\u2019 compensation review<\/a> or <a href=\"https:\/\/suninsuranceservices.com\/business-in-florida\/\">explore other commercial insurance coverages<\/a>.<\/p><\/div><\/section>\n\n<section id=\"workers-comp-cost\">\n  <div class=\"sun-container\">\n    <h2>What Affects Workers\u2019 Compensation Insurance Cost?<\/h2>\n    <p>Workers\u2019 compensation premium is commonly based on payroll, employee classifications, rates, claims experience, and policy-specific adjustments.<\/p>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Payroll<\/h3>\n    <p>Higher payroll generally creates more workers\u2019 compensation exposure. Estimated payroll is later compared with actual payroll during the audit.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Class Codes<\/h3>\n    <p>Employees performing office work, field service, roofing, electrical work, healthcare, delivery, or manufacturing may have significantly different rates.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Experience Modification<\/h3>\n    <p>Eligible businesses may receive an experience modification factor based on claims performance compared with similar employers.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Claims History<\/h3>\n    <p>Claim frequency, severity, open reserves, safety improvements, and return-to-work practices can affect underwriting and pricing.<\/p>\n  <\/article>\n\n  <article class=\"card orange\">\n    <h3>Subcontractors<\/h3>\n    <p>Uninsured subcontractor payments can be included in the premium basis when valid certificates or exemptions are not available.<\/p>\n  <\/article>\n\n  <article class=\"card orange\">\n    <h3>Owner Inclusion<\/h3>\n    <p>Included owners, excluded officers, and valid exemptions can change payroll and premium calculations.<\/p>\n  <\/article>\n<\/div>\n\n<p><a href=\"https:\/\/suninsuranceservices.com\/understanding-workers-compensation-costs-in-florida-a-business-guide\/?utm_source=workers_compensation_page&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Read our Florida workers\u2019 compensation cost guide<\/a>.<\/p>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"class-codes\">\n  <div class=\"sun-container\">\n    <h2>Why Workers\u2019 Compensation Class Codes Matter<\/h2>\n    <p>A workers\u2019 compensation class code describes the type of work performed. Rates can differ substantially between office staff, sales employees, drivers, technicians, healthcare workers, contractors, and employees performing work at heights.<\/p>\n\n&#8220;`\n<div class=\"callout\">\n  <strong>Classification should follow actual job duties.<\/strong> A company name or broad industry label is not enough. Employees who perform materially different work may need separate classifications when permitted by workers\u2019 compensation rules.\n<\/div>\n\n<p>Incorrect classifications can lead to underestimated premiums, audit balances, coverage disputes, or unnecessary cost. Provide detailed employee duties, work locations, tools, driving responsibilities, and subcontractor information during the quoting process.<\/p>\n\n<p><a href=\"https:\/\/suninsuranceservices.com\/how-ncci-rate-recommendations-affect-florida-business-insurance-costs-2026-update\/?utm_source=workers_compensation_page&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Learn how NCCI recommendations can affect Florida business insurance costs<\/a>.<\/p>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"pay-as-you-go\">\n  <div class=\"sun-container\">\n    <h2>How Does Pay-As-You-Go Workers\u2019 Compensation Work?<\/h2>\n    <p>Pay-as-you-go workers\u2019 compensation uses payroll information reported during the policy term to calculate installment premium. This can improve cash flow and reduce differences between estimated payroll and actual payroll.<\/p>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Actual Payroll Reporting<\/h3>\n    <p>Premium installments are based on reported payroll instead of one fixed annual estimate.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Smaller Installments<\/h3>\n    <p>Payments may follow the payroll schedule rather than larger monthly or quarterly installments.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Reduced Audit Surprises<\/h3>\n    <p>Regular payroll reporting can reduce large differences at audit, although a final audit may still be required.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Carrier and Payroll Compatibility<\/h3>\n    <p>Availability depends on the workers\u2019 compensation carrier, payroll provider, business type, and program requirements.<\/p>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"workers-comp-audits\">\n  <div class=\"sun-container\">\n    <h2>What Happens During a Workers\u2019 Compensation Audit?<\/h2>\n    <p>Most workers\u2019 compensation policies use estimated payroll at the beginning of the term. After expiration or cancellation, the insurer reviews actual exposure and calculates the final premium.<\/p>\n\n&#8220;`\n<ol>\n  <li>The carrier requests payroll, tax, employee, subcontractor, and classification records.<\/li>\n  <li>Actual payroll is assigned to applicable class codes.<\/li>\n  <li>Payments to uninsured subcontractors may be evaluated.<\/li>\n  <li>Owner inclusion, exclusions, and exemptions are reviewed.<\/li>\n  <li>The carrier compares the audited exposure with the original estimate.<\/li>\n  <li>The business may receive an additional premium or return premium.<\/li>\n<\/ol>\n\n<div class=\"callout\">\n  Keep payroll reports, employee job descriptions, certificates, exemptions, subcontractor agreements, and tax records organized throughout the year. Waiting until the audit creates avoidable delays.\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"subcontractors\">\n  <div class=\"sun-container\">\n    <h2>Workers\u2019 Compensation and Subcontractors<\/h2>\n    <p>Florida contractors should verify workers\u2019 compensation coverage or valid exemptions before subcontractors begin work. A subcontractor\u2019s invoice alone does not establish independent-contractor status or remove workers\u2019 compensation exposure.<\/p>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Collect Certificates<\/h3>\n    <p>Obtain workers\u2019 compensation certificates showing active coverage for the period when work is performed.<\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Verify Exemptions<\/h3>\n    <p>Confirm that exemptions are current, valid, and appropriate for the individual, business structure, and industry.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Use Written Agreements<\/h3>\n    <p>Contracts should describe the work, insurance requirements, responsibilities, and subcontractor relationship.<\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Retain Records<\/h3>\n    <p>Keep certificates, exemptions, invoices, contracts, and payment records for the policy audit.<\/p>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"industry-resources\">\n  <div class=\"sun-container\">\n    <h2 class=\"center\">Workers\u2019 Compensation by Florida Industry<\/h2>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Roofing Contractors<\/h3>\n    <p>Roofers face high-severity fall exposure, strict classification rules, subcontractor issues, and contract requirements.<\/p>\n    <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-roofers-and-small-trade-contractors-in-florida-what-you-need-to-know\/?utm_source=workers_compensation_page&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers\u2019 Compensation for Florida Roofers<\/a><\/p>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>HVAC Contractors<\/h3>\n    <p>HVAC employees may work on roofs, in attics, around electricity, with refrigerants, and while lifting heavy equipment.<\/p>\n    <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-for-hvac-contractors-in-florida\/?utm_source=workers_compensation_page&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers\u2019 Compensation for HVAC Contractors<\/a><\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Electrical Contractors<\/h3>\n    <p>Electricians face shock, fall, ladder, vehicle, tool, construction-site, and repetitive-motion exposures.<\/p>\n    <p><a href=\"https:\/\/suninsuranceservices.com\/workers-compensation-insurance-electricians-florida\/?utm_source=workers_compensation_page&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers\u2019 Compensation for Electricians<\/a><\/p>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Orlando Businesses<\/h3>\n    <p>Local employers should review Florida statutory requirements alongside contract, lease, and certificate needs.<\/p>\n    <p><a href=\"https:\/\/suninsuranceservices.com\/workers-comp-orlando-sun-insurance-services\/?utm_source=workers_compensation_page&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Workers\u2019 Compensation Insurance in Orlando<\/a><\/p>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"certificate-support\">\n  <div class=\"sun-container\">\n    <h2>Workers\u2019 Compensation Certificates of Insurance<\/h2>\n    <p>A certificate of insurance provides evidence that workers\u2019 compensation coverage existed when the certificate was issued. It does not create coverage, modify the policy, waive exclusions, or guarantee future coverage.<\/p>\n    <p>Routine certificates can often be issued promptly when the policy is active and the request matches existing coverage. Requests involving special wording, waivers, additional requirements, or unavailable coverage may require underwriting review.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\" id=\"quote-preparation\">\n  <div class=\"sun-container\">\n    <h2>Information Needed for a Workers\u2019 Compensation Quote<\/h2>\n\n&#8220;`\n<div class=\"grid\">\n  <article class=\"card yellow\">\n    <h3>Business Information<\/h3>\n    <ul>\n      <li>Legal name and DBA.<\/li>\n      <li>Business locations.<\/li>\n      <li>Years in business.<\/li>\n      <li>Detailed operations.<\/li>\n      <li>Ownership structure.<\/li>\n    <\/ul>\n  <\/article>\n\n  <article class=\"card yellow\">\n    <h3>Employee Information<\/h3>\n    <ul>\n      <li>Employee count.<\/li>\n      <li>Payroll by job duty.<\/li>\n      <li>Work locations.<\/li>\n      <li>Driving responsibilities.<\/li>\n      <li>Use of tools or equipment.<\/li>\n    <\/ul>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Insurance History<\/h3>\n    <ul>\n      <li>Current policy.<\/li>\n      <li>Experience modification worksheet.<\/li>\n      <li>Loss runs.<\/li>\n      <li>Prior audits.<\/li>\n      <li>Renewal date.<\/li>\n    <\/ul>\n  <\/article>\n\n  <article class=\"card lavender\">\n    <h3>Subcontractor Information<\/h3>\n    <ul>\n      <li>Annual subcontractor cost.<\/li>\n      <li>Certificates of insurance.<\/li>\n      <li>Valid exemptions.<\/li>\n      <li>Written agreements.<\/li>\n      <li>Description of subcontracted work.<\/li>\n    <\/ul>\n  <\/article>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container agent-layout\">\n    <div>\n      <h2>Work With a Florida Commercial Insurance Agent<\/h2>\n      <p>Scott Mauldin helps Florida employers review workers\u2019 compensation classifications, payroll, claims history, experience modifications, owner exemptions, subcontractors, certificates, audits, and pay-as-you-go options.<\/p>\n      <p>Sun Insurance Services serves businesses throughout Florida, including Orlando, Tampa Bay, Jacksonville, Miami\u2013Fort Lauderdale, the Space Coast, Gainesville\u2013Ocala, Sarasota\u2013Bradenton, Southwest Florida, and the Panhandle.<\/p>\n    <\/div>\n\n&#8220;`\n<aside class=\"agent-card\">\n  <h3>Scott Mauldin<\/h3>\n  <p><strong>Commercial Insurance Agent<\/strong><\/p>\n  <p>\n    <a href=\"tel:+14077811609\">Call 407-781-1609<\/a><br>\n    <a href=\"sms:+14077811609\">Text Scott<\/a><br>\n    <a href=\"https:\/\/suninsuranceservices.com\/scott-mauldin\/?utm_source=workers_compensation_page&amp;utm_medium=agent_link&amp;utm_campaign=commercial_cluster\">Read Scott\u2019s Reviews<\/a><br>\n    <a href=\"https:\/\/www.linkedin.com\/in\/scott-mauldin-30361b3b\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a>\n  <\/p>\n<\/aside>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\" id=\"workers-comp-faq\">\n  <div class=\"sun-container\">\n    <h2>Florida Workers\u2019 Compensation FAQ<\/h2>\n\n&#8220;`\n<details>\n  <summary>Who needs workers\u2019 compensation insurance in Florida?<\/summary>\n  <p>Most non-construction employers with four or more employees generally need coverage. Construction employers generally need coverage with one or more employees. Agriculture has separate employee thresholds.<\/p>\n<\/details>\n\n<details>\n  <summary>Do part-time employees count toward Florida\u2019s workers\u2019 compensation threshold?<\/summary>\n  <p>Yes. Qualifying part-time employees generally count toward the applicable employee threshold.<\/p>\n<\/details>\n\n<details>\n  <summary>Can Florida business owners exempt themselves?<\/summary>\n  <p>Certain corporate officers and LLC members may qualify to apply for an exemption. Eligibility, limits, fees, and requirements depend on the industry and business structure.<\/p>\n<\/details>\n\n<details>\n  <summary>What does workers\u2019 compensation insurance cover?<\/summary>\n  <p>Workers\u2019 compensation may provide medical, wage-replacement, disability, rehabilitation, and death benefits for qualifying work-related injuries or occupational illnesses. Policies also generally include employer\u2019s liability coverage.<\/p>\n<\/details>\n\n<details>\n  <summary>What affects workers\u2019 compensation insurance cost?<\/summary>\n  <p>Major factors include payroll, employee class codes, type of work, claims history, experience modification, owner inclusion, subcontractor exposure, and carrier pricing.<\/p>\n<\/details>\n\n<details>\n  <summary>What is pay-as-you-go workers\u2019 compensation?<\/summary>\n  <p>Pay-as-you-go programs calculate installment premium using reported payroll throughout the policy term. Availability depends on the carrier, payroll provider, and business.<\/p>\n<\/details>\n\n<details>\n  <summary>Why does a workers\u2019 compensation audit happen?<\/summary>\n  <p>The policy begins with estimated payroll and classifications. The audit compares those estimates with actual payroll, job duties, ownership, and subcontractor exposure to determine the final premium.<\/p>\n<\/details>\n\n<details>\n  <summary>Can uninsured subcontractors affect my workers\u2019 compensation premium?<\/summary>\n  <p>Yes. Payments to subcontractors without valid workers\u2019 compensation coverage or exemptions may be included in the premium basis during the audit.<\/p>\n<\/details>\n\n<details>\n  <summary>How quickly can I receive a workers\u2019 compensation certificate?<\/summary>\n  <p>Routine certificates can often be handled promptly after coverage is active. Requests requiring special terms, waivers, or unavailable coverage may require additional review.<\/p>\n<\/details>\n\n<details>\n  <summary>Can Sun Insurance Services compare multiple workers\u2019 compensation carriers?<\/summary>\n  <p>Yes. Sun Insurance Services is an independent insurance agency and can compare available workers\u2019 compensation options from multiple carriers based on the employer\u2019s operations and eligibility.<\/p>\n<\/details>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section id=\"customer-reviews\">\n  <div class=\"sun-container center\">\n    <h2>Sun Insurance Services Customer Reviews<\/h2>\n    <link data-noptimize=\"1\" data-no-optimize=\"1\" data-no-minify=\"1\" data-no-defer=\"1\" rel=\"stylesheet\" href=\"https:\/\/cdn.trustindex.io\/assets\/widget-presetted-css\/v2\/14-ligth-border.css\" media=\"all\"><pre class=\"ti-widget\"><div style=\"opacity: 0; height: 0 !important; overflow: hidden !important\" data-css-url=\"https:\/\/cdn.trustindex.io\/assets\/widget-presetted-css\/v2\/14-ligth-border.css\" class=\"ti-widget ti-no-profile-img\" data-plugin-version=\"14.3\" data-layout-id=\"14\" data-layout-category=\"slider\" data-set-id=\"ligth-border\" data-pid=\"ffa796354707667abb9699ee0e2\" 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star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-header-rating-reviews\">157 reviews<\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-header-rating-reviews\">157 reviews<\/span><\/div> <div class=\"ti-header-write-btn-container\"> <a href=\"https:\/\/admin.trustindex.io\/api\/googleWriteReview?place-id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" class=\"ti-header-write-btn\" role=\"button\" aria-label=\"Write a review to Google\" target=\"_blank\" rel=\"noopener nofollow\" >Write a review<\/a> <\/div> <\/div> <div class=\"ti-widget-header-tick\"><\/div> <\/div> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Next review\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Previous review\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\"> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1792609203\" data-id=\"c73908b067e04b541c0696748dab47ad\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Ted Jankowski <\/div> <div class=\"ti-date\">8 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Did payment online<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1791549992\" data-id=\"42aa98a90173e1b946316e85456c39f2\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> hillary page <\/div> <div class=\"ti-date\">20 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Kim had spent a ton of time with us helping navigate the homeowners and auto options. She is terrific!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1789420132\" data-id=\"8b527ec8ee9500f0441a10aecb5e39a9\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elizabeth \u201cLibby\u201d Brooks <\/div> <div class=\"ti-date\">45 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Donna has been our insurance agent for 20 years now. I trust her completely. She has not only found great, highly affordable policies for us, she helped guide us through the claims process and helped enormously when the insurance company was being extremely difficult to deal with. Donna is the best, hands down!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1788209185\" data-id=\"187f7a4042f3526213255690a5481a17\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> James Miller <\/div> <div class=\"ti-date\">59 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Excellent job. Thank you for all your assistance<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787339807\" data-id=\"72b3d8abbd166f80bd1ceda60e2c5b94\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patrick Lowe <\/div> <div class=\"ti-date\">69 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Ive started my own gas and plumbing business recently in Jacksonville and everybody at this company has been amazing. They have answered all of my numerous questions, and get COIs back to me extremely fast. It\u2019s been an absolute pleasure to work with them. If you need an insurance company this is the team to work with.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787079801\" data-id=\"403746e1b4a077990d916b9e3c34db98\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Stella Siracuza <\/div> <div class=\"ti-date\">72 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Excellent responsiveness, Basically &quot;they have your back&quot;  great agent<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786567565\" data-id=\"a8da782425aca457a7ea3dafc3416db5\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patti McCahill <\/div> <div class=\"ti-date\">78 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Kim is an excellent representative.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786053342\" data-id=\"aa91b87d8393d678ce3ac71cd568085d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Gus Bernardo <\/div> <div class=\"ti-date\">84 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Great experience with Sun. My agent Kim is always looking out for me.  She takes all my needs into consideration and finds me the best price.  Never pushy and gives me several options.  Very happy with Sun insurance and my agent Kim.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785801725\" data-id=\"aaebc44cf764b5f5109cd497f51d909f\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> David Seidell <\/div> <div class=\"ti-date\">87 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Scott is great exceptional service<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785523760\" data-id=\"f0ea4865bce591e0ddc0d11b5786e39d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> osceola speed tires and wheels (Osceola Speed Tires) <\/div> <div class=\"ti-date\">90 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Scott and his team are amazing. They provided excellent customer service and great advice. Very professional, knowledgeable and trust worthy. Highly recommeded.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-verified-by ti-verified-by-row\" data-style=\"1\"> <div class=\"ti-inner\"> Verified by Trustindex <span class=\"ti-info-icon\"><\/span> <div class=\"ti-disclaimer\">Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. <a href=\"https:\/\/www.trustindex.io\/?a=sys&c=verified-badge&url=\/the-trustindex-verified-badge\/\" target=\"_blank\">Read more<\/a><\/div> <\/div> <\/div> <\/div> <\/div> <\/pre><pre class=\"ti-hidden-markup\" hidden style=\"display: none\"><style class=\"scss-content\">.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-widget-container .ti-date{color:#8a8a8a}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-review-content{height:65.25px !important;-webkit-line-clamp:3}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-ai-summary-item .ti-review-content{-webkit-line-clamp:4;height:89px !important}<\/style><\/pre><pre class=\"ti-hidden-markup\" hidden style=\"display: none\"><script>\n(function () { if (window.tiLoaderFallback) { return; } window.tiLoaderFallback = true; function tiLoadLoader() { if (window.TrustindexWidget || document.querySelector('script[src*=\"https:\/\/cdn.trustindex.io\/loader.js\"]')) { return; } let script = document.createElement(\"script\"); script.async = true; script.src = \"https:\/\/cdn.trustindex.io\/loader.js\"; script.setAttribute(\"data-ccm-injected\", \"1\"); document.head.appendChild(script); } if (\"loading\" === document.readyState) { document.addEventListener(\"DOMContentLoaded\", tiLoadLoader); } else { tiLoadLoader(); } })();\n<\/script>\n<\/pre>\n  <\/div>\n<\/section>\n\n<section id=\"wc-quote\">\n  <div class=\"sun-container\">\n    <div class=\"quote-panel\">\n      <h2 class=\"center\">Start Your Florida Workers\u2019 Compensation Quote<\/h2>\n      <p class=\"lead center\">Provide your employee duties, payroll, current policy, loss runs, subcontractor information, renewal date, and certificate requirements.<\/p>\n\n&#8220;`\n  <div class=\"button-row\" style=\"justify-content:center;\">\n    <a class=\"sun-button\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n    <a class=\"sun-button secondary\" href=\"sms:+14077811609\">Text Scott<\/a>\n  <\/div>\n\n  <div class=\"sun-legacy-quote-replacement\" style=\"margin:24px 0;text-align:center;\">\r\n                <a href=\"https:\/\/suninsuranceservices.com\/quote\/?agent=scott-mauldin\" class=\"wp-element-button\" style=\"display:inline-block;padding:13px 24px;font-weight:700;text-decoration:none;\">\r\n                    Request a Quote from Scott\r\n                <\/a>\r\n            <\/div>\n<\/div>\n&#8220;`\n\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container center\">\n    <h2>Sun Insurance Services<\/h2>\n    <p>\n      <strong>Sun Insurance Services, Inc.<\/strong><br>\n      7680 Universal Blvd Suite 198<br>\n      Orlando, FL 32819<br>\n      <a href=\"tel:+14077811600\">Call or Text 407-781-1600<\/a>\n    <\/p>\n  <\/div>\n<\/section>\n\n<p class=\"fine-print\">General information only and not legal advice. Workers\u2019 compensation requirements, classifications, exemptions, benefits, rates, audits, eligibility, and carrier availability depend on Florida law, policy terms, business operations, and underwriting requirements. Coverage is not bound or changed until confirmed by a licensed agent and the insurance carrier. Last updated August 4, 2026.<\/p>\n\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@graph\":[\n    {\n      \"@type\":[\"InsuranceAgency\",\"LocalBusiness\",\"FinancialService\"],\n      \"@id\":\"https:\/\/suninsuranceservices.com\/#insurance-agency\",\n      \"name\":\"Sun Insurance Services\",\n      \"legalName\":\"Sun Insurance Services, Inc.\",\n      \"url\":\"https:\/\/suninsuranceservices.com\/\",\n      \"telephone\":\"+1-407-781-1600\",\n      \"foundingDate\":\"2003\",\n      \"address\":{\n        \"@type\":\"PostalAddress\",\n        \"streetAddress\":\"7680 Universal Blvd Suite 198\",\n        \"addressLocality\":\"Orlando\",\n        \"addressRegion\":\"FL\",\n        \"postalCode\":\"32819\",\n        \"addressCountry\":\"US\"\n      },\n      \"areaServed\":{\n        \"@type\":\"State\",\n        \"name\":\"Florida\"\n      },\n      \"employee\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/scott-mauldin\/#person\"\n      }\n    },\n    {\n      \"@type\":\"Person\",\n      \"@id\":\"https:\/\/suninsuranceservices.com\/scott-mauldin\/#person\",\n      \"name\":\"Scott Mauldin\",\n      \"jobTitle\":\"Commercial Insurance Agent\",\n      \"telephone\":\"+1-407-781-1609\",\n      \"url\":\"https:\/\/suninsuranceservices.com\/scott-mauldin\/\",\n      \"worksFor\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      },\n      \"sameAs\":[\n        \"https:\/\/www.linkedin.com\/in\/scott-mauldin-30361b3b\/\"\n      ]\n    },\n    {\n      \"@type\":\"Service\",\n      \"@id\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/#service\",\n      \"name\":\"Florida Workers\u2019 Compensation Insurance\",\n      \"serviceType\":\"Workers\u2019 Compensation Insurance\",\n      \"url\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/\",\n      \"provider\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      },\n      \"areaServed\":{\n        \"@type\":\"State\",\n        \"name\":\"Florida\"\n      },\n      \"description\":\"Sun Insurance Services helps Florida employers compare workers\u2019 compensation insurance, review requirements, classifications, payroll, audits, exemptions, subcontractors, certificates and pay-as-you-go options.\"\n    },\n    {\n      \"@type\":\"WebPage\",\n      \"@id\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/#webpage\",\n      \"url\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/\",\n      \"name\":\"Florida Workers\u2019 Compensation Insurance | Requirements and Quotes\",\n      \"headline\":\"Workers\u2019 Compensation Insurance for Florida Businesses\",\n      \"description\":\"Compare Florida workers\u2019 compensation insurance, requirements, class codes, payroll, audits, exemptions, certificates, pay-as-you-go options and quotes.\",\n      \"inLanguage\":\"en-US\",\n      \"dateModified\":\"2026-08-04\",\n      \"isPartOf\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/#website\"\n      },\n      \"about\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/#service\"\n      },\n      \"mainEntity\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/#faq\"\n      },\n      \"publisher\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      }\n    },\n    {\n      \"@type\":\"WebSite\",\n      \"@id\":\"https:\/\/suninsuranceservices.com\/#website\",\n      \"url\":\"https:\/\/suninsuranceservices.com\/\",\n      \"name\":\"Sun Insurance Services\",\n      \"publisher\":{\n        \"@id\":\"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      },\n      \"inLanguage\":\"en-US\"\n    },\n    {\n      \"@type\":\"FAQPage\",\n      \"@id\":\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/#faq\",\n      \"mainEntity\":[\n        {\n          \"@type\":\"Question\",\n          \"name\":\"Who needs workers\u2019 compensation insurance in Florida?\",\n          \"acceptedAnswer\":{\n            \"@type\":\"Answer\",\n            \"text\":\"Most Florida non-construction employers with four or more employees generally need coverage. Construction employers generally need coverage with one or more employees. Agricultural employers have separate thresholds.\"\n          }\n        },\n        {\n          \"@type\":\"Question\",\n          \"name\":\"Do part-time employees count toward Florida\u2019s workers\u2019 compensation threshold?\",\n          \"acceptedAnswer\":{\n            \"@type\":\"Answer\",\n            \"text\":\"Yes. Qualifying part-time employees generally count toward the applicable employee threshold.\"\n          }\n        },\n        {\n          \"@type\":\"Question\",\n          \"name\":\"Can Florida business owners exempt themselves?\",\n          \"acceptedAnswer\":{\n            \"@type\":\"Answer\",\n            \"text\":\"Certain corporate officers and LLC members may qualify to apply for an exemption. 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Sun Insurance Services ayuda a los empleadores de Florida a encontrar la cobertura de compensaci\u00f3n laboral que mejor se adapte a su industria, n\u00f3mina, funciones de los empleados, estructura de propiedad, historial de reclamaciones, contratos y negocio\u2026 <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/florida-workers-compensation-insurance-for-businesses\/\">Continuar leyendo<span> Seguro de compensaci\u00f3n laboral para empresas en Florida<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"","footnotes":""},"folder":[],"class_list":["post-1089","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Florida Workers\u2019 Comp Insurance | Requirements &amp; 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