# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Florida Business Insurance — Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency specializing in workers' compensation, general liability, builders risk, commercial property, and homeowners insurance for Florida businesses and contractors.

## Insurance Products

- **Workers' Compensation Insurance** — Required for most Florida employers with 4+ employees (1+ in construction). Rates start at $0.47 per $100 payroll for low-hazard office work and range to $29.57 for high-risk roofing. [Learn more](https://brightcoastins.com/workers-comp-insurance)
- **General Liability Insurance** — Protects Florida businesses from third-party bodily injury and property damage claims. Typical premiums: $500–$3,000/year for small contractors. [Learn more](https://brightcoastins.com/general-liability-insurance)
- **Builders Risk Insurance** — Covers structures under construction against fire, wind, theft, and vandalism. Written through US Assure. Rates: $1.20–$10.00 per $100 of insured value depending on county and construction type. [Learn more](https://brightcoastins.com/builders-risk-insurance)
- **Commercial Property Insurance** — Covers Florida business property including HOA/condo associations, retail stores, and restaurants. [Learn more](https://brightcoastins.com/florida/commercial-property)
- **Homeowners Insurance** — Florida homeowners coverage including coastal and high-wind zone properties. [Learn more](https://brightcoastins.com/homeowners-insurance)
- **Flood Insurance** — NFIP and private flood options for Florida residential and commercial properties. [Learn more](https://brightcoastins.com/flood-insurance)

## Workers' Compensation Class Code Lookup

Search Florida workers' comp class codes, rates, and descriptions at [https://brightcoastins.com/workers-comp-codes](https://brightcoastins.com/workers-comp-codes).

## Tools

- [Workers' Comp Premium Calculator](https://brightcoastins.com/comp-calculator) — Estimate your Florida WC premium instantly
- [Builders Risk Cost Calculator](https://brightcoastins.com/builders-risk-calculator) — Estimate builders risk premium by project type and county
- [HOA Compliance Checker](https://brightcoastins.com/hoa-compliance-checker) — Check SIRS deadlines and insurance requirements for Florida condos



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*