Referral Partner Program

Turn Your Client Relationships Into Referral Income.

If your clients are Florida contractors, business owners, or employers — they need workers' comp, general liability, PEO services, and audit defense. You already have the relationship. We handle the rest.

Become a Referral PartnerCall Us: (239) 323-0785
No Insurance License Required for PEO & Audit Referrals
Flat Referral Fees — Not Contingent on Purchase
Florida Contractor Specialists

Who This Is For

Built for Florida's Trusted Business Advisors

This program is designed for professionals who already work closely with Florida business owners — and who are already in the room when insurance, compliance, and payroll conversations happen.

CPAs & Tax Preparers

Your contractor and employer clients face workers' comp audits, payroll tax exposure, and compliance risk every year. You are already in the room when those conversations happen.

Bookkeepers & Payroll Professionals

You see your clients' payroll, their subcontractor payments, and their cash flow. You know when they are underinsured or overcharged on an audit before anyone else does.

Business Attorneys

Your contractor and employer clients need coverage to satisfy contracts, licensing requirements, and litigation defense. You are often the first call when something goes wrong.

Commercial Real Estate Professionals

Tenants need general liability and property coverage. Landlords need to verify it. You are the connector between the lease requirement and the policy that satisfies it.

HR Consultants & Benefits Advisors

PEO and employee leasing are natural extensions of the HR services you already provide. Your clients are already asking about workers' comp and benefits — we close that loop.

B2B Sales Professionals

If you sell products or services to Florida contractors, employers, or small businesses, your network is our market. Any touchpoint with a Florida employer is a potential referral.

Detailed guides by profession

CPAs & Tax PreparersBookkeepers & PayrollMortgage BrokersReal Estate AgentsContractors

What You Can Refer

What Your Clients Need — What We Provide

No Insurance License Required to Refer

PEO / Employee Leasing

A Professional Employer Organization arrangement that provides workers' comp under a master policy, payroll processing, HR compliance, and benefits. Governed by Florida Chapter 468, not the Insurance Code.

Payroll Processing Services

Payroll administration, tax filing, direct deposit, and reporting for Florida employers. A pure administrative service with no insurance license requirement to refer.

Workers' Comp Audit Defense

Consulting and representation to help employers dispute incorrect audit findings, recover overcharges, and prepare documentation. A consulting service — not an insurance product.

General Liability Audit Defense

Same expertise applied to GL audit overcharges. Florida contractors are audited on GL policies regularly — and often incorrectly. We dispute the findings.

Insurance Products — Flat Referral Fee, Not Contingent on Purchase

Under Florida Statute §626.112(8), a licensed insurance agency may pay a flat fee to an unlicensed person for referring prospective purchasers, provided the fee is not contingent on whether the referral results in a purchase. Our referral fee is a flat amount paid per qualified referral. Referral partners may not describe coverage terms, compare policies, or negotiate on a client's behalf without a Florida insurance license.

Workers' Compensation Insurance
General Liability Insurance
Commercial Auto Insurance
Business Owner's Policy (BOP)
Umbrella / Excess Liability
Homeowners Insurance

How It Works

Four Steps to Referral Income

01

Register as a Partner

Complete a simple partner registration through our agent portal. We confirm your information and send you a partner agreement outlining the fee schedule.

02

Make an Introduction

When a client needs workers' comp, GL, PEO services, payroll, or audit defense — send them our way. A referral is as simple as: "You should talk to Bright Coast about this."

03

We Handle Everything

We contact your client, assess their needs, and provide quotes or services. You are not involved in the insurance transaction — you do not describe coverage, compare policies, or negotiate.

04

Receive Your Referral Fee

For PEO, payroll, and audit defense: fees are based on the service agreement. For insurance referrals: a flat fee per qualified referral, not contingent on purchase, per Florida §626.112(8).

Register as a Partner

Why Refer to Us

Why Bright Coast Protects Your Referral Reputation

When you refer a client, your reputation is on the line. Here is what you are sending them to.

Same-Day COIs

Your clients get certificates of insurance the same day. No waiting, no back-and-forth that reflects poorly on your referral.

Bilingual Service

English and Spanish. If your clients include Florida's Latino contractor community, we serve them in their language.

Audit Defense Expertise

We don't just sell policies. We help clients fight audit overcharges, dispute incorrect findings, and protect their bottom line.

Contractor Niche Specialists

We know Florida's contractor market — class codes, carriers, audit triggers, and compliance requirements — better than any generalist agency.

PEO Access

For clients who want to eliminate workers' comp audits entirely, we offer PEO arrangements with pay-as-you-go workers' comp under a master policy.

Trusted Advisor Model

We don't poach your clients. We serve a specific need and send them back to you. Your relationship stays intact.

Common Questions

This page provides general information only and does not constitute legal advice. Consult your own counsel regarding your professional obligations.

Do I need an insurance license to participate in this referral program?+
For PEO, payroll processing, and audit defense referrals — no insurance license is required, as these are not insurance products. For insurance product referrals, you do not need a license to make a referral. Under Florida Statute §626.112(8), an unlicensed person may receive a flat referral fee for directing prospective purchasers to a licensed agent, provided the fee is not contingent on whether a purchase is made. What you may not do without a license is describe specific coverage terms, compare policies, advise on insurance matters, or negotiate on a client's behalf.
Can CPAs receive referral fees under AICPA ethics rules?+
AICPA ethics rules permit CPAs to receive referral fees in certain circumstances, but generally require disclosure to the client. We recommend reviewing AICPA ET Section 1.520 (Referral Fees and Commissions) and consulting your state CPA society or ethics counsel before participating in any fee-sharing arrangement.
Can attorneys receive referral fees for sending clients to an insurance agency?+
Florida Bar rules generally prohibit attorneys from sharing legal fees with non-lawyers, but receiving a flat fee for referring a client to a non-legal service provider — such as an insurance agency — is a different matter. We recommend consulting the Florida Bar's ethics guidance or your own counsel. For PEO, payroll, and audit defense referrals, no insurance or legal fee-sharing issues arise.
How is the referral fee structured for insurance products?+
Our insurance referral fee is a flat amount paid per qualified referral — not a commission tied to whether the client purchases a policy. This structure is required by Florida Statute §626.112(8), which prohibits referral fees that are contingent on a purchase. The specific fee amount is outlined in the partner agreement. Contact us to discuss the current schedule.
What is the referral fee for PEO, payroll, and audit defense?+
PEO, payroll, and audit defense are not insurance products, so the fee structure for these referrals is not subject to the same statutory constraints. Fees for these referrals are based on the service agreement and vary by product. Contact us to discuss the current schedule.
Will you try to take over my client relationship?+
No. We serve a specific need — insurance, PEO, payroll, and audit defense for Florida contractors and employers — and we refer clients back to their trusted advisors for everything else. Our goal is to be a resource that makes you more valuable to your clients, not to compete with you for the relationship.
What types of clients are the best fit for this program?+
The best-fit clients are Florida contractors (roofers, electricians, plumbers, HVAC, general contractors), construction company owners, and any Florida employer with a payroll. These clients consistently need workers' comp, general liability, PEO services, and audit defense — and they often turn to their CPA, bookkeeper, or attorney first when they have a problem.

Ready to Turn Your Network Into Income?

Register as a Bright Coast referral partner and start earning flat referral fees when your clients need workers' comp, general liability, PEO services, payroll, or audit defense in Florida.

Become a Referral PartnerVer en Español

This page provides general information about our referral program and applicable Florida law. It does not constitute legal advice. Referral partners are responsible for ensuring their participation complies with their own professional ethics rules and applicable law.