{"id":1543,"date":"2025-10-01T15:32:30","date_gmt":"2025-10-01T15:32:30","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?p=1543"},"modified":"2026-07-29T12:48:15","modified_gmt":"2026-07-29T16:48:15","slug":"workers-compensation-insurance-for-roofers-and-small-trade-contractors-in-florida-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/suninsuranceservices.com\/es\/workers-compensation-insurance-for-roofers-and-small-trade-contractors-in-florida-what-you-need-to-know\/","title":{"rendered":"Seguro de compensaci\u00f3n laboral para techadores y peque\u00f1os contratistas en Florida: Lo que necesita saber"},"content":{"rendered":"<article class=\"sun-money-page\">\n<section id=\"hero\">\n<h1>Workers\u2019 Compensation Insurance for Roofers and Small Trade Contractors in Florida<\/h1>\n<p>Florida roofers and other construction trade contractors generally need workers\u2019 compensation insurance when they have <strong>one or more employees<\/strong>, including non-exempt business owners. Coverage can help provide eligible benefits after covered workplace injuries and helps contractors meet Florida compliance and contract requirements.<\/p>\n<p>Sun Insurance Services helps Florida roofing companies and small trade contractors compare workers\u2019 compensation options, review subcontractor exposure, and coordinate certificates with general liability, commercial auto, tools, and other contractor coverage.<\/p>\n<p><a href=\"#quote\" class=\"wp-element-button\">Request a Workers\u2019 Compensation Quote<\/a><\/p>\n<p><strong>Scott Mauldin, Commercial Insurance Agent<\/strong><br><a href=\"tel:+14077811609\">Call or Text Scott: (407) 781-1609<\/a><\/p>\n<\/section>\n\n<section id=\"quick-answer\">\n<h2>Florida Workers\u2019 Compensation Requirement for Roofers and Trade Contractors<\/h2>\n<p>Florida construction employers with <strong>one or more employees<\/strong> generally must carry workers\u2019 compensation insurance. This includes non-exempt corporate officers and LLC members. Eligible business owners may qualify for an exemption.<\/p>\n<p>Contractors must also make sure subcontractors have the required workers\u2019 compensation coverage before work begins.<\/p>\n<p>Current rules: <a href=\"https:\/\/www.myfloridacfo.com\/division\/wc\/employer\/coverage-requirements\" target=\"_blank\" rel=\"noopener\">Florida Division of Workers\u2019 Compensation coverage requirements<\/a>.<\/p>\n<\/section>\n\n<section id=\"who-this-applies-to\">\n<h2>Which Florida Trade Contractors Fall Under Construction Workers\u2019 Comp Rules?<\/h2>\n<p>Florida\u2019s construction-industry workers\u2019 compensation rules apply to many contracting trades. Depending on the work performed, this can include:<\/p>\n<ul>\n<li>Roofing contractors.<\/li><li>Electrical contractors.<\/li><li>HVAC and mechanical contractors.<\/li><li>Plumbing contractors.<\/li><li>Carpenters and framing contractors.<\/li><li>Drywall and ceiling contractors.<\/li><li>Painting contractors.<\/li><li>Flooring, tile, masonry, and similar construction trades.<\/li>\n<\/ul>\n<p>Exact classification and construction-industry status should be confirmed based on the actual operations performed.<\/p>\n<\/section>\n\n<section id=\"coverage\">\n<h2>What Workers\u2019 Compensation May Cover<\/h2>\n<p>For eligible covered workplace injuries and occupational illnesses, Florida workers\u2019 compensation may provide benefits such as:<\/p>\n<ul>\n<li>Authorized medical treatment.<\/li><li>Partial wage replacement during eligible disability periods.<\/li><li>Temporary or permanent disability benefits when applicable.<\/li><li>Rehabilitation or vocational services when eligible.<\/li><li>Certain death benefits for eligible dependents.<\/li>\n<\/ul>\n<p>Workers\u2019 compensation does not eliminate every possible legal or financial exposure, so coverage should be coordinated with the contractor\u2019s broader insurance program.<\/p>\n<\/section>\n\n<section id=\"subcontractors\">\n<h2>Subcontractors and Workers\u2019 Compensation Compliance<\/h2>\n<p>Each subcontractor is responsible for workers\u2019 compensation coverage for its employees when required. Florida also requires contractors to verify required subcontractor coverage before work begins.<\/p>\n<p>If a subcontractor does not maintain required coverage, its workers may be treated as employees of the contractor for workers\u2019 compensation purposes, creating both claim and premium-audit exposure.<\/p>\n<\/section>\n\n<section id=\"cost\">\n<h2>What Affects Workers\u2019 Compensation Cost for Roofers and Trade Contractors?<\/h2>\n<p>Workers\u2019 compensation pricing is driven primarily by payroll, the type of work employees perform, and the employer\u2019s claims history. Contractor classifications can carry very different rates depending on the hazard of the work.<\/p>\n<ul>\n<li>Total payroll.<\/li><li>Employee classifications and actual job duties.<\/li><li>Claims history.<\/li><li>Experience modification factor when applicable.<\/li><li>Subcontractor exposure.<\/li><li>Safety and loss-control practices.<\/li><li>Carrier underwriting and available credits.<\/li>\n<\/ul>\n<p>Individual class codes should be confirmed during underwriting rather than assumed from a generic trade label.<\/p>\n<\/section>\n\n<section id=\"credits\">\n<h2>Florida Workers\u2019 Compensation Premium Credits<\/h2>\n<p>Florida employers may qualify for specific premium credits when program requirements are satisfied:<\/p>\n<ul>\n<li><strong>Drug-Free Workplace:<\/strong> qualified employers may be eligible for a <strong>5% workers\u2019 compensation premium credit<\/strong>.<\/li>\n<li><strong>Workplace Safety Program:<\/strong> qualified employers may be eligible for a <strong>2% premium credit<\/strong>.<\/li>\n<\/ul>\n<p>These programs have specific requirements and must be maintained to continue receiving the applicable credit.<\/p>\n<\/section>\n\n<section id=\"roofing-risks\">\n<h2>Why Roofing Workers\u2019 Compensation Deserves Special Attention<\/h2>\n<p>Roofing combines elevated work, ladders, heavy materials, tools, weather exposure, and Florida heat. A strong workers\u2019 compensation program should be paired with practical safety and fall-prevention procedures.<\/p>\n<ul>\n<li>Fall protection and ladder safety.<\/li><li>Heat illness prevention.<\/li><li>Tool and equipment safety.<\/li><li>Material handling and lifting procedures.<\/li><li>Vehicle and driver safety.<\/li><li>Regular jobsite safety meetings.<\/li>\n<\/ul>\n<\/section>\n\n<section id=\"contracts\">\n<h2>Certificates and Contract Requirements<\/h2>\n<p>General contractors, commercial clients, project owners, and property managers often require proof of workers\u2019 compensation before a roofing or trade contractor can begin work.<\/p>\n<p>Sun Insurance Services can help review insurance requirements and issue certificates for active policies when appropriate.<\/p>\n<\/section>\n\n<section id=\"related-resources\">\n<h2>Related Florida Contractor Insurance Resources<\/h2>\n<ul>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/?utm_source=roofer_trade_wc_page&amp;utm_medium=internal_link&amp;utm_campaign=workers_comp_roofers_trades\">Florida Workers\u2019 Compensation Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-roofing-contractor-insurance\/?utm_source=roofer_trade_wc_page&amp;utm_medium=internal_link&amp;utm_campaign=workers_comp_roofers_trades\">Florida Roofing Contractor Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/electrical-contractor-insurance-florida-orlando\/?utm_source=roofer_trade_wc_page&amp;utm_medium=internal_link&amp;utm_campaign=workers_comp_roofers_trades\">Florida Electrical Contractor Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/hvac-insurance-in-florida-protect-your-business-today\/?utm_source=roofer_trade_wc_page&amp;utm_medium=internal_link&amp;utm_campaign=workers_comp_roofers_trades\">Florida HVAC Contractor Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/plumbing-insurance-for-florida-contractors-full-guide\/?utm_source=roofer_trade_wc_page&amp;utm_medium=internal_link&amp;utm_campaign=workers_comp_roofers_trades\">Florida Plumbing Contractor Insurance<\/a><\/li>\n<\/ul>\n<\/section>\n\n<section id=\"why-sun\">\n<h2>Why Work With Sun Insurance Services?<\/h2>\n<ul>\n<li>Independent Florida insurance agency.<\/li><li>Multiple workers\u2019 compensation carrier options.<\/li><li>Contractor and trade insurance experience.<\/li><li>Certificate and contract review support.<\/li><li>Coordination with liability, auto, tools, property, and umbrella coverage.<\/li>\n<\/ul>\n<p><strong>Sun Insurance Services, Inc.<\/strong><br>7680 Universal Blvd Suite 198<br>Orlando, FL 32819<\/p>\n<p><strong>Scott Mauldin<\/strong><br><a href=\"tel:+14077811609\">Call or Text: (407) 781-1609<\/a><br><a href=\"mailto:scott@suninsuranceservices.com\">scott@suninsuranceservices.com<\/a><\/p>\n<\/section>\n\n<section id=\"reviews\">\n<h2>Sun Insurance Services Customer Reviews<\/h2>\n<div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?ffa796354707667abb9699ee0e2\"><\/div>\n<\/section>\n\n<section id=\"faq\">\n<h2>Workers\u2019 Compensation for Florida Roofers and Trade Contractors FAQ<\/h2>\n<details><summary>Do roofers in Florida need workers\u2019 compensation insurance?<\/summary><p>Yes. Florida construction employers with one or more employees, including non-exempt business owners, generally must carry workers\u2019 compensation insurance.<\/p><\/details>\n<details><summary>Do small trade contractors in Florida need workers\u2019 compensation?<\/summary><p>Construction trades such as roofing, electrical, HVAC, carpentry, drywall, painting, plumbing, and similar contracting operations generally fall under Florida\u2019s construction-industry workers\u2019 compensation rules.<\/p><\/details>\n<details><summary>What happens if a contractor does not carry required workers\u2019 compensation?<\/summary><p>Florida can issue stop-work orders and assess penalties when required coverage is not maintained. Uninsured workplace injuries can also create significant financial exposure.<\/p><\/details>\n<details><summary>Do subcontractors need their own workers\u2019 compensation coverage?<\/summary><p>Subcontractors are responsible for required coverage for their employees. Contractors should verify workers\u2019 compensation coverage or valid exemption documentation before work begins.<\/p><\/details>\n<details><summary>What affects workers\u2019 compensation cost for roofers and trade contractors?<\/summary><p>Premium depends on payroll, employee classifications, the work performed, claims history, experience modification when applicable, subcontractor exposure, and other rating and underwriting factors.<\/p><\/details>\n<details><summary>Are Florida workers\u2019 compensation premium credits available?<\/summary><p>Qualified Florida employers may be eligible for a 5% drug-free workplace premium credit and a 2% workplace safety program credit when program requirements are met and maintained.<\/p><\/details>\n<\/section>\n\n<section id=\"quote\">\n<h2>Request a Workers\u2019 Compensation Quote<\/h2>\n<p>Tell us about your trade, payroll, employees, subcontractors, claims history, and contract requirements.<\/p>\n<div class='fluentform ff-default fluentform_wrapper_13 roofertradewcquote ff_guten_block ff_guten_block-13 ffs_modern_l_wrap'><form data-form_id=\"13\" id=\"fluentform_13\" class=\"frm-fluent-form fluent_form_13 ff-el-form-top ff_form_instance_13_1 ff-form-loading ff-form-has-steps ffs_modern_l\" data-form_instance=\"ff_form_instance_13_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; 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Requesting information will not result in unsolicited calls, emails, or texts.<\/em><\/p><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_2\" ><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group ff-el-form-top has-conditions ff_list_buttons'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"What type of policy are you looking for?\">What type of policy are you looking for?<\/label><\/div><div class='ff-el-input--content'><div 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for='ff_13_business_name' id='label_ff_13_business_name' >Business Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"business_name\" class=\"ff-el-form-control shade-light\" data-name=\"business_name\" id=\"ff_13_business_name\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_business_name_1' id='label_ff_13_business_name_1' >Business Description<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"business_name_1\" class=\"ff-el-form-control shade-light\" placeholder=\"What type of business is this?\" data-name=\"business_name_1\" id=\"ff_13_business_name_1\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_entity_type' id='label_ff_13_entity_type' aria-label=\"Entity Type\">Entity Type<\/label><\/div><div class='ff-el-input--content'><select name=\"entity_type\" id=\"ff_13_entity_type\" class=\"ff-el-form-control\" data-name=\"entity_type\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_13_entity_type\"><option value=\"\">&#8211; Select &#8211;<\/option><option value=\"Association\"  >Association<\/option><option value=\"Corporation\"  >Corporation<\/option><option value=\"Individual\"  >Individual<\/option><option value=\"Non Profit\"  >Non Profit<\/option><option value=\"LLC\"  >LLC<\/option><option value=\"Partnership\"  >Partnership<\/option><option value=\"Trust\"  >Trust<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div 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data-name=\"years_operational\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:0,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_number_of_employees' id='label_ff_13_number_of_employees' aria-label=\"How many employees?\">How many employees?<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"number_of_employees\" id=\"ff_13_number_of_employees\" class=\"ff-el-form-control shade-light\" data-name=\"number_of_employees\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_4\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_annual_revenue' id='label_ff_13_annual_revenue' aria-label=\"Annual Revenue\">Annual Revenue<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"annual_revenue\" id=\"ff_13_annual_revenue\" class=\"ff-el-form-control shade-light ff_numeric\" data-name=\"annual_revenue\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_total_payroll' id='label_ff_13_total_payroll' aria-label=\"Total Payroll\">Total Payroll<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"total_payroll\" id=\"ff_13_total_payroll\" class=\"ff-el-form-control shade-light ff_numeric\" data-name=\"total_payroll\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_5\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"business_location\" data-ff_with_auto_locate=\"no\" ><div class='ff-el-input--label'><label aria-label=\"Business Location\">Business Location<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[address_line_1]\" id=\"ff_13_business_location_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[address_line_2]\" id=\"ff_13_business_location_address_line_2_\" class=\"ff-el-form-control\" placeholder=\"Address Line 2\" data-key_name=\"address_line_2\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[city]\" id=\"ff_13_business_location_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[state]\" id=\"ff_13_business_location_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[zip]\" id=\"ff_13_business_location_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip Code\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_url' id='label_ff_13_url' aria-label=\"Business Website\">Business Website<\/label><\/div><div class='ff-el-input--content'><input type=\"url\" name=\"url\" class=\"ff-el-form-control\" data-name=\"url\" id=\"ff_13_url\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_6\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_biz_comments' id='label_ff_13_biz_comments' aria-label=\"Anything else you&#039;d like us to know?\">Anything else you&#8217;d like us to know?<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"biz_comments\" class=\"ff-el-form-control shade-light\" data-name=\"biz_comments\" id=\"ff_13_biz_comments\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_x_date' id='label_ff_13_x_date' aria-label=\"When does your current policy expire?\">When does your current policy expire?<\/label><\/div><div class='ff-el-input--content'><input  aria-label='When does your current policy expire? Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='n\/j\/y' type=\"text\" name=\"x_date\" id=\"ff_13_x_date\" class=\"ff-el-form-control ff-el-datepicker\" placeholder=\"Can be approximate.\" data-name=\"x_date\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_3\" ><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"What type of coverage do you need?\">What type of coverage do you need?<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_21b77581a7ffbb1e91d28dff7007c818'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Home + Auto (bundle savings)\"  id='input_radio_21b77581a7ffbb1e91d28dff7007c818' aria-label='Home + Auto (bundle savings)' aria-invalid='false' aria-required=true> <span>Home + Auto (bundle savings)<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_a24e48122d80214bd49004a227284224'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Home\"  id='input_radio_a24e48122d80214bd49004a227284224' aria-label='Home' aria-invalid='false' aria-required=true> <span>Home<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_1973a0803fb9257bcfc31fe874bb4bb7'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Auto\"  id='input_radio_1973a0803fb9257bcfc31fe874bb4bb7' aria-label='Auto' aria-invalid='false' aria-required=true> <span>Auto<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_4d62dab20062ab08b485262392ea0069'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Flood\"  id='input_radio_4d62dab20062ab08b485262392ea0069' aria-label='Flood' aria-invalid='false' aria-required=true> <span>Flood<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label ff-other-option' for='input_radio_d1d03c3296fe067da840b17d22043334'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"__ff_other_input_radio__\"  id='input_radio_d1d03c3296fe067da840b17d22043334' aria-label='Other' aria-invalid='false' aria-required=true> <span>Other<\/span><\/label><\/div><div class='ff-other-input-wrapper' style='display: none; margin-top: 8px;' data-field='input_radio' data-required-message='Please specify a value for the selected &quot;Other&quot; option'><input type='text' id='ff_other_input_radio_4da8035889fb05076f0cc8974bcba060' name='input_radio__ff_other_input__' class='ff-el-form-control' placeholder='Please specify...' value=''><\/div><\/div><\/div><div data-name=\"ff_cn_id_7\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_requested_effective_date' id='label_ff_13_requested_effective_date' aria-label=\"When would you need this to take effect?\">When would you need this to take effect?<\/label><\/div><div class='ff-el-input--content'><input  aria-label='When would you need this to take effect? Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='n\/j\/y' type=\"text\" name=\"requested_effective_date\" id=\"ff_13_requested_effective_date\" class=\"ff-el-form-control ff-el-datepicker\" placeholder=\"Can be approximate.\" data-name=\"requested_effective_date\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><\/div><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"home_address\" data-ff_with_auto_locate=\"no\" ><div class='ff-el-input--label'><label aria-label=\"What is your property address?\">What is your property address?<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[address_line_1]\" id=\"ff_13_home_address_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[address_line_2]\" id=\"ff_13_home_address_address_line_2_\" class=\"ff-el-form-control\" placeholder=\"Address Line 2\" data-key_name=\"address_line_2\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[city]\" id=\"ff_13_home_address_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[state]\" id=\"ff_13_home_address_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[zip]\" id=\"ff_13_home_address_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_vin' id='label_ff_13_vin' aria-label=\"VIN #\">VIN #<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vin\" class=\"ff-el-form-control\" placeholder=\" Can be found on your current insurance card, or inside windshield of the vehicle\" data-name=\"vin\" id=\"ff_13_vin\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_dL' id='label_ff_13_dL' aria-label=\"DL #\">DL #<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"dL\" class=\"ff-el-form-control\" placeholder=\" S123-456-78-910-1\" data-name=\"dL\" id=\"ff_13_dL\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"vehicle_address\" data-ff_with_auto_locate=\"on_click\" ><div class='ff-el-input--label'><label aria-label=\"Address where Vehicle is kept\">Address where Vehicle is kept<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_address_line_1_' id='label_ff_13_vehicle_address_address_line_1_' aria-label=\"Address Line 1\">Address Line 1<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"vehicle_address[address_line_1]\" id=\"ff_13_vehicle_address_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\"><span class=\"ff-locate-icon \" style=\"cursor:pointer\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" viewbox=\"0 0 30 30\"><path d=\"M 14.984375 0.98632812 A 1.0001 1.0001 0 0 0 14 2 L 14 3.0507812 C 8.1822448 3.5345683 3.5345683 8.1822448 3.0507812 14 L 2 14 A 1.0001 1.0001 0 1 0 2 16 L 3.0507812 16 C 3.5345683 21.817755 8.1822448 26.465432 14 26.949219 L 14 28 A 1.0001 1.0001 0 1 0 16 28 L 16 26.949219 C 21.817755 26.465432 26.465432 21.817755 26.949219 16 L 28 16 A 1.0001 1.0001 0 1 0 28 14 L 26.949219 14 C 26.465432 8.1822448 21.817755 3.5345683 16 3.0507812 L 16 2 A 1.0001 1.0001 0 0 0 14.984375 0.98632812 z M 14 5.0488281 L 14 6 A 1.0001 1.0001 0 1 0 16 6 L 16 5.0488281 C 20.732953 5.5164646 24.483535 9.2670468 24.951172 14 L 24 14 A 1.0001 1.0001 0 1 0 24 16 L 24.951172 16 C 24.483535 20.732953 20.732953 24.483535 16 24.951172 L 16 24 A 1.0001 1.0001 0 0 0 14.984375 22.986328 A 1.0001 1.0001 0 0 0 14 24 L 14 24.951172 C 9.2670468 24.483535 5.5164646 20.732953 5.0488281 16 L 6 16 A 1.0001 1.0001 0 1 0 6 14 L 5.0488281 14 C 5.5164646 9.2670468 9.2670468 5.5164646 14 5.0488281 z\"><\/path><\/svg><\/span><\/span><\/div><\/div><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_city_' id='label_ff_13_vehicle_address_city_' aria-label=\"City\">City<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[city]\" id=\"ff_13_vehicle_address_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_state_' id='label_ff_13_vehicle_address_state_' aria-label=\"State\">State<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[state]\" id=\"ff_13_vehicle_address_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_zip_' id='label_ff_13_vehicle_address_zip_' aria-label=\"Zip Code\">Zip Code<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[zip]\" id=\"ff_13_vehicle_address_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_8\"  class='ff-t-container ff-column-container ff_columns_total_4 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_dropdown' id='label_ff_13_dropdown' aria-label=\"DOB-Month\">DOB-Month<\/label><\/div><div class='ff-el-input--content'><select name=\"dropdown\" id=\"ff_13_dropdown\" class=\"ff-el-form-control\" data-name=\"dropdown\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_13_dropdown\"><option value=\"\">&#8211; Select &#8211;<\/option><option value=\"January\"  >January<\/option><option value=\"February\"  >February<\/option><option value=\"March\"  >March<\/option><option value=\"April\"  >April<\/option><option value=\"May\"  >May<\/option><option value=\"June\"  >June<\/option><option value=\"July\"  >July<\/option><option value=\"August\"  >August<\/option><option value=\"September\"  >September<\/option><option value=\"October\"  >October<\/option><option value=\"November\"  >November<\/option><option value=\"December\"  >December<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_numeric_field' id='label_ff_13_numeric_field' aria-label=\"DOB-Day\">DOB-Day<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field\" id=\"ff_13_numeric_field\" class=\"ff-el-form-control\" data-name=\"numeric_field\" inputmode=\"numeric\" step=\"any\" min=\"1\" aria-valuemin=\"1\" max=\"31\" aria-valuemax=\"31\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-3' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_numeric_field_2' id='label_ff_13_numeric_field_2' aria-label=\"DOB-Year\">DOB-Year<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field_2\" id=\"ff_13_numeric_field_2\" class=\"ff-el-form-control\" data-name=\"numeric_field_2\" inputmode=\"numeric\" step=\"any\" min=\"1920\" aria-valuemin=\"1920\" max=\"2020\" aria-valuemax=\"2020\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-4' style='flex-basis: 25%;'><div class='ff-el-group has-conditions ff_list_buttons'><div class=\"ff-el-input--label asterisk-right\"><label   aria-label=\"Marital Status\">Marital Status<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='marital_status_b9ccccbbbad935db5c55436b23607a21'><input  type=\"radio\" name=\"marital_status\" data-name=\"marital_status\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Married\"  id='marital_status_b9ccccbbbad935db5c55436b23607a21' aria-label='Married' aria-invalid='false' aria-required=false> <span>Married<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='marital_status_449defd275bc086e98e9452a71bfc624'><input  type=\"radio\" name=\"marital_status\" data-name=\"marital_status\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Single\"  id='marital_status_449defd275bc086e98e9452a71bfc624' aria-label='Single' aria-invalid='false' aria-required=false> <span>Single<\/span><\/label><\/div><\/div><\/div><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_4\" ><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-13_5\" ><p style=\"text-align: center\"><strong>GREAT NEWS!<\/strong> Based on your input we have <strong>several<\/strong> insurance companies we can quote this with.<\/p>\n<p style=\"text-align: center\">Please let us know how to reach you, and we will be in touch shortly.<\/p><\/div><div data-type=\"name-element\" data-name=\"names\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_names_first_name_' id='label_ff_13_names_first_name_' >First Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[first_name]\" id=\"ff_13_names_first_name_\" class=\"ff-el-form-control\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_names_last_name_' id='label_ff_13_names_last_name_' >Last Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[last_name]\" id=\"ff_13_names_last_name_\" class=\"ff-el-form-control\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_9\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_phone' id='label_ff_13_phone' aria-label=\"Phone\">Phone<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone\" type=\"tel\" data-name=\"phone\" id=\"ff_13_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_email' id='label_ff_13_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_13_email\" class=\"ff-el-form-control\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_input_text' id='label_ff_13_input_text' aria-label=\"Last &amp; Final Question... How did you find us?\">Last &amp; Final Question&#8230; How did you find us?<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text\" class=\"ff-el-form-control\" placeholder=\"Thank you so much!\" data-name=\"input_text\" id=\"ff_13_input_text\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><input type=\"hidden\" name=\"hidden\" value=\"https:\/\/suninsuranceservices.com\" data-name=\"hidden\" >        <div class=\"ff-step-t-container ff-inner_submit_container ff-column-container ff_columns_total_2\">\n            <div class=\"ff-t-cell ff-t-column-1\"><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><\/div><\/div>\n            <div class=\"ff-t-cell ff-t-column-2\">\n                <div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-lg ff_btn_style\"  aria-label=\"Submit\">Submit<\/button><\/div>            <\/div>\n        <\/div>\n        <\/div><\/div><\/div>\n        <\/fieldset><\/form><div id='fluentform_13_errors' class='ff-errors-in-stack ff_form_instance_13_1 ff-form-loading_errors ff_form_instance_13_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_13_1 = {\"id\":\"13\",\"ajaxUrl\":\"https:\\\/\\\/suninsuranceservices.com\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"asteriskPlacement\":\"asterisk-right\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_13_1\",\"form_id_selector\":\"fluentform_13\",\"rules\":{\"personalORbusiness\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is 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href=\"tel:+14077811609\"><strong>Call or Text Scott: (407) 781-1609<\/strong><\/a><\/p>\n<\/section>\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": [\n        \"InsuranceAgency\",\n        \"LocalBusiness\"\n      ],\n      \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\",\n      \"name\": \"Sun Insurance Services, Inc.\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/\",\n      \"telephone\": \"+1-407-781-1600\",\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    },\n    {\n      \"@type\": \"Service\",\n      \"@id\": 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Los techadores y otros contratistas de la construcci\u00f3n en Florida generalmente necesitan un seguro de compensaci\u00f3n laboral cuando tienen uno o m\u00e1s empleados, incluidos los propietarios de negocios no exentos. La cobertura puede ayudar a proporcionar los beneficios correspondientes despu\u00e9s de lesiones laborales cubiertas y ayuda a los contratistas a cumplir con los requisitos contractuales y de cumplimiento de Florida. 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