Workers’ Compensation Insurance for Florida Businesses
Protect your people. Stay compliant. Control your costs.
From startups to multi-location employers, Sun Insurance Services compares multiple A-rated carriers to find suitable Workers’ Comp—pay-as-you-go billing, prompt COIs, and help with audits and owner exemptions—delivered by a local Florida team.
✅ Same-day Certificates (most cases)
✅ Pay-as-you-go options tied to payroll
✅ Class code & experience mod reviews
✅ Audit support & claims guidance
✅ Multi-carrier quotes (independent agency)
✅ Help with owner/officer exemptions
Who We Help
From startups to multi-location employers across Florida: retail, restaurants & hospitality, healthcare & clinics, professional services, logistics & warehousing, manufacturing & fabrication, trades & construction, real estate & property services, nonprofits, and more.
Scott Mauldin: Call/Text Me | Read My Reviews | Google Business Profile | LinkedIn
Why Workers’ Comp Matters
Workers’ Comp pays for medical care and lost wages after a work-related injury or illness, provides employer’s liability protection, supports return-to-work programs, and helps you meet licensing, permitting, and contract requirements.
What’s Typically Covered
- Medical care & lost wages for covered injuries
- Employer’s liability (where applicable)
- Rehabilitation & return-to-work support
- Safety & OSHA resources (carrier-provided)
Florida Requirements (At a Glance)
- Non-construction: Most employers with 4 or more employees (full- or part-time) must carry Workers’ Comp.
- Construction: Employers with 1 or more employees (full- or part-time) must carry Workers’ Comp.
- Owner/Officer Exemptions: Certain corporate officers/LLC members may file a Notice of Election to be Exempt (limits apply). Exempt owners are not covered for benefits.
- Out-of-state employers working in FL: Your policy should list “Florida” on the information page (3.A) or you’ll need a Florida policy.
- Contractors & subs: Contractors must collect proof of coverage or a valid exemption from subcontractors.
We’ll confirm your specific obligations and set up a compliance plan aligned with your headcount, industry, and job duties.
Scott Mauldin: Call/Text Me | Read My Reviews | Google Business Profile | LinkedIn
How Pricing Works (and Ways to Reduce It)
- Payroll & class codes: Accurate classification is critical.
- Experience Mod (EMR): Claims history affects your rate—safety + return-to-work help.
- Pay-as-you-go billing: Syncs with payroll so you pay on actual payroll and reduce audit surprises.
- Subcontractor strategy: COI/exemption workflows to limit uninsured exposure.
Scott Mauldin: Call/Text Me | Read My Reviews | Google Business Profile | LinkedIn
Certificates When You Need Them
Need a COI for a vendor, landlord, or GC? We issue certificates promptly and handle ongoing certificate holder requests for active jobs.
Scott Mauldin: Call/Text Me | Read My Reviews | Google Business Profile | LinkedIn
Why Choose Sun Insurance Services?
- Florida-focused team with decades serving employers statewide
- Independent—we compare quotes from multiple well-rated carriers for you
- Prompt COIs and a responsive service team
- Regular coverage reviews to keep rates and class codes on track
- Compliance help—exemptions, audits, and subcontractor workflows
Serving all of Florida: Orlando, Tampa Bay, Jacksonville, Miami–Fort Lauderdale, Space Coast, Gainesville–Ocala, Sarasota–Bradenton, SWFL, Panhandle, and beyond.
Scott Mauldin: Call/Text Me | Read My Reviews | Google Business Profile | LinkedIn
Workers’ Comp FAQ (Florida)
Do I need Workers’ Comp if I have only part-time staff? Yes—Florida counts part-time employees toward the threshold.
Can owners exclude themselves? Certain officers/LLC members can file an exemption; exempt owners are not covered for benefits (limits apply).
How fast can I get a COI? Often the same business day once coverage is bound.
What is pay-as-you-go? Premiums are calculated from actual payroll each cycle—helps cash flow and can reduce audit surprises.
General info, not legal advice. Florida WC rules change—our team will confirm your specific requirements.
Start Your Workers’ Comp Quote
Answer a few quick questions—average time 2–3 minutes.