Looking for the official FWCJUA website? The Florida Workers' Compensation Joint Underwriting Association's official site is fwcjua.com. Bright Coast Insurance (FL #L103957) is an authorized FWCJUA placement agency — we file the application on your behalf.
The Florida Workers' Compensation Joint Underwriting Association (FWCJUA) is Florida's insurer of last resort for workers' compensation. It was established by the Florida Legislature to ensure that every Florida employer who is legally required to carry workers' comp can obtain coverage — even if they have been declined by every standard market carrier.
To be eligible for the FWCJUA, an employer must: (1) be legally required to carry workers' compensation in Florida, (2) have been declined by at least one authorized Florida workers' comp carrier within the past 60 days, and (3) not have any outstanding premium balances with a previous carrier. High-risk trades such as roofing, demolition, tree trimming, and marine construction are the most common applicants, as standard carriers frequently decline or non-renew these classes.
FWCJUA rates are set at 200% of the NCCI advisory rate for each class code — meaning they are approximately twice what a standard market policy would cost. For a roofing contractor (class code 5551) with $500,000 in annual payroll, a standard market premium might be approximately $46,175 per year, while the FWCJUA equivalent would be approximately $92,350. Because of this cost difference, Bright Coast Insurance always attempts to place clients in the standard market first and only uses the FWCJUA when no standard market option is available.
Bright Coast Insurance (FL #L103957) is an authorized FWCJUA servicing carrier. We handle the entire application process: obtaining the required declination letters, completing the FWCJUA application, and binding coverage. Most FWCJUA applications are processed within 3–5 business days. Call or text (239) 475-0361 to begin the process
How many declinations do I need? One declination from an authorized Florida carrier is sufficient for FWCJUA eligibility. Can I leave the FWCJUA? Yes — once your loss history improves or market conditions change, Bright Coast will re-market your account to standard carriers annually. Does the FWCJUA cover all trades? Yes — the FWCJUA is required by law to cover any Florida employer who meets the eligibility criteria, regardless of trade.
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