# Florida Workers' Comp Policy Verification — Free DFS Proof of Coverage Search

**Bright Coast Insurance** provides a free, real-time Florida workers' compensation policy verification tool powered by the Florida Department of Financial Services (DFS) Proof of Coverage database.

## What Is the DFS Proof of Coverage Database?

The Florida DFS Proof of Coverage database is the official state record of all workers' compensation insurance policies written in Florida. Employers, contractors, and property owners use it to verify that a business carries valid workers' comp coverage before hiring.

## Three Ways to Search

| Search Type | What to Enter | Best For |
|-------------|--------------|----------|
| Employer Name | Business name (partial OK) | General verification |
| FEIN | Federal Tax ID (XX-XXXXXXX) | Most precise results |
| Policy Number | From certificate of insurance | Fastest confirmation |

## Policy Status Meanings

- **Active** — Policy is current and in force; coverage is valid
- **Expired** — Policy end date has passed; no current coverage
- **Cancelled** — Policy was terminated before the expiration date
- **Not Found** — No matching record; employer may lack coverage or hold a valid exemption

## Florida Workers' Comp Requirements

Florida requires workers' comp for:
- Construction employers with **1 or more employees**
- Non-construction employers with **4 or more employees**
- Agricultural employers with **6 or more regular employees**

Sole proprietors and corporate officers may apply for an exemption.

## Verify Coverage at https://brightcoastins.com/policy-verification

Search the DFS database in real time — no account required.

**Get workers' comp coverage:** (239) 323-0785 | support@brightcoastins.com | [https://brightcoastins.com/workers-comp](https://brightcoastins.com/workers-comp)



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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.*