# Bright Coast Insurance

> Bright Coast Insurance is an AI-powered independent insurance agency licensed in Florida, Michigan, Illinois, Texas, South Carolina, and North Carolina. We combine institutional-grade technology with licensed human expertise to deliver workers' compensation, general liability, commercial auto, homeowners, flood insurance, and commercial property insurance.

## About

Bright Coast Insurance is built on Sourcy™ — an AI technology platform that powers real-time rate analysis, NCCI class code intelligence, certificate of insurance automation, and the Copi AI assistant. We are a carrier-neutral independent agency, meaning we shop multiple carriers to find the best coverage at the most competitive price for each client.

- Website: https://brightcoastins.com
- Phone: (239) 323-0785
- Email: support@brightcoastins.com
- Mailing Address: PO Box 417, Pineland, FL 33945
- Licensed in: FL, MI, IL, TX, SC, NC
- FL License #L103957
- FWCJUA Authorized Agency
- Languages: English, Spanish
- Technology partner: Sourcy™ (https://sourcyinc.com)

## Insurance Products

- [Workers Compensation Insurance](https://brightcoastins.com/workers-comp): Florida and multi-state workers' comp for contractors, trades, and businesses. Includes NCCI class code lookup and real-time premium estimates.
- [General Liability Insurance](https://brightcoastins.com/general-liability): Commercial GL coverage for contractors, small businesses, and service companies.
- [Flood Insurance](https://brightcoastins.com/flood-insurance): NFIP and private flood insurance for Florida property owners. Includes free FEMA flood zone lookup tool.
- [Commercial Auto Insurance](https://brightcoastins.com/commercial-auto): Fleet and single-vehicle commercial auto policies.
- [Homeowners Insurance](https://brightcoastins.com/homeowners): Florida homeowners insurance including Citizens alternatives and wind/hurricane coverage.
- [Builders Risk Insurance](https://brightcoastins.com/builders-risk): Coverage for construction projects from groundbreaking to completion.
- [Commercial Property Insurance](https://brightcoastins.com/commercial-property): Building and business personal property coverage for Florida businesses.
- [Personal Auto Insurance](https://brightcoastins.com/personal-auto): Personal auto policies for Florida drivers.

## Tools & Resources

- [Workers Comp Class Code Lookup](https://brightcoastins.com/workers-comp-codes): Search all NCCI class codes with rates, descriptions, and premium estimates by state.
- [General Liability Class Code Lookup](https://brightcoastins.com/general-liability-codes): Search GL class codes with coverage details.
- [Class Code Lookup Tool for PEOs & Payroll](https://brightcoastins.com/class-code-lookup): Embeddable class code lookup widget for PEOs, payroll companies, and HR platforms. Free to embed.
- [Comp Rate Calculator](https://brightcoastins.com/comp-calculator): Instant workers' comp premium estimates by class code and payroll.
- [Experience Mod Calculator](https://brightcoastins.com/experience-mod-calculator): Calculate your workers' comp experience modification factor.
- [FEMA Flood Zone Lookup](https://brightcoastins.com/flood-insurance): Check any U.S. address against FEMA's National Flood Hazard Layer — free, no login required.
- [Certificate of Insurance Request](https://brightcoastins.com/certificate-request): Self-service COI portal available 24/7.
- [Same-Day COI](https://brightcoastins.com/same-day-coi): Same-day certificate of insurance issuance for qualified policyholders.
- [Copi AI Assistant](https://brightcoastins.com): Conversational AI assistant for insurance questions, class code lookup, and quote guidance.

## SafetyText by Sourcy

- [SafetyText](https://brightcoastins.com/safety-text): Weekly OSHA workplace safety reminder texts delivered to your safety manager every Monday. $9.99/month subscription. Powered by Sourcy™. Helps reduce workplace injuries and workers' comp claims.

## Dropped or Cancelled Insurance

- [Workers Comp Cancelled](https://brightcoastins.com/workers-comp/dropped-from-insurance)
- [Homeowners Dropped](https://brightcoastins.com/homeowners/dropped-from-insurance)
- [General Liability Cancelled](https://brightcoastins.com/general-liability/dropped-from-insurance)
- [Commercial Auto Cancelled](https://brightcoastins.com/commercial-auto/dropped-from-insurance)
- [Personal Auto Cancelled](https://brightcoastins.com/personal-auto/dropped-from-insurance)

## Blog

- [Am I in a Flood Zone? Florida Flood Zone Lookup Guide](https://brightcoastins.com/blog/am-i-in-a-flood-zone-florida-lookup-guide)
- [How to Maintain Certificate of Insurance Records for 1099 Contractors and Subcontractors](https://brightcoastins.com/blog/certificate-of-insurance-recordkeeping-1099-subcontractors)

## Coverage Areas

Bright Coast serves businesses and homeowners throughout Florida, with particular depth in Southwest Florida (Naples, Fort Myers, Cape Coral, Marco Island, Bonita Springs), Miami-Dade, Broward, Palm Beach, Orlando, Tampa, Jacksonville, and all 67 Florida counties. Multi-state coverage available in MI, IL, TX, SC, and NC.

## Sitemap

https://brightcoastins.com/sitemap-index.xml

## Optional

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