REFERRAL PARTNER PROGRAM
Your Contractor Clients Get Audited Every Year. You're Already in the Room.
Florida CPAs and tax preparers: earn flat referral fees by introducing your contractor and employer clients to Bright Coast Insurance. Workers' comp, PEO, payroll, and audit defense — no insurance license required for most products.
THE PROBLEM
What Your Contractor Clients Are Dealing With Right Now
Workers' comp audit demands they don't understand and can't dispute on their own
Overpaying on GL premiums because their class codes are wrong
PEO and payroll exposure they haven't addressed because no one has explained it
Certificate of insurance requests they can't fulfill quickly enough to keep jobs
Misclassified employees vs. subcontractors creating audit and tax exposure simultaneously
WHY PARTNER WITH US
Why CPAs Are the Best Referral Partners in the Contractor Market
You already have the trust relationship. When a contractor gets a workers' comp audit demand or a GL premium spike, the first call is usually to their CPA — not their insurance agent. That puts you in a unique position to make a warm introduction that solves a real problem for your client, strengthens your relationship, and earns you a flat referral fee. We handle everything after the introduction. You stay the trusted advisor.
PRODUCTS YOU CAN REFER
What We Offer Your Clients
Workers' Comp Audit Defense
No license requiredWe dispute incorrect audit findings and recover overcharges. No insurance license required to refer.
PEO & Payroll Services
No license requiredProfessional Employer Organization and payroll processing for Florida contractors. No insurance license required.
Workers' Compensation Insurance
Licensed product (we handle it)Florida workers' comp for contractors. Requires insurance license to sell — we handle this, you refer.
General Liability Insurance
Licensed product (we handle it)GL for Florida contractors with correct class codes. Requires insurance license to sell — we handle this.
HOW IT WORKS
Five Steps. No Complexity.
You identify a client with a workers' comp audit, payroll issue, or coverage gap
You make a warm introduction — an email or a call is all it takes
We handle the consultation, quoting, and enrollment
You receive a flat referral fee once the client engages our services
We never compete with you for the accounting or tax relationship
FREQUENTLY ASKED QUESTIONS
Common Partner Questions
Can CPAs receive referral fees under AICPA ethics rules?
AICPA ET Section 1.520 permits CPAs to receive referral fees in certain circumstances, generally requiring disclosure to the client. We recommend reviewing your state CPA society's guidance and consulting your own ethics counsel. For PEO, payroll, and audit defense referrals — which are not insurance products — the analysis is simpler. We are not your legal or ethics counsel; this is general information only.
Which products can I refer without an insurance license?
PEO services, payroll processing, and workers' comp audit defense do not require an insurance license to refer. Workers' compensation insurance and general liability insurance are licensed products — we handle the sale and you receive a flat referral fee for the introduction, which is permissible under Florida §626.112(8) for a single flat fee not contingent on a purchase.
What does the referral fee look like?
We pay a flat fee per qualified referral that results in an engagement. The fee is not contingent on the client purchasing a specific product or on the premium amount. Contact us to discuss the current fee structure — it varies by product type.
Do I need to become a licensed insurance agent to participate?
No. For PEO, payroll, and audit defense referrals, no insurance license is required. For insurance product referrals (workers' comp, GL), you are making an introduction only — we handle the licensed sale. Florida §626.112(8) permits unlicensed persons to receive a single flat fee for a referral, provided the fee is not contingent on the purchase.
What kind of clients are the best fit?
Florida contractors (roofers, electricians, plumbers, HVAC, general contractors), construction company owners, and any Florida employer with a payroll of $500,000 or more. These clients consistently need workers' comp, general liability, PEO services, and audit defense — and they often turn to their CPA first when they have a problem.
Ready to Become a Partner?
Contact us today to discuss the fee structure and start referring clients. No long-term contracts, no minimum quotas.