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Free Insurance Tools
Real-time data lookups and premium calculators for Florida businesses, contractors, and trucking companies — all powered by Sourcy Data™ and completely free.
DOT# Snapshot
FMCSA Carrier Safety Report
Enter any US DOT number and get a full safety profile — OOS rates, safety rating, authority status, crash history, fleet data, and a risk score — in seconds.
Contractor License Lookup
DBPR License Verification
Instantly verify any Florida construction license by license number, business name, or individual name. Live data from the DBPR — CGC, CBC, CRC, CAC, CCC, CMC, CFC.
Policy Verification
FL Workers' Comp Coverage Check
Verify whether a Florida employer has active workers' compensation coverage. Search by employer name, FEIN, or policy number — live data from the DFS.
WC Exemption Lookup
FL DFS Exemption Certificate Search
Look up whether a Florida corporate officer, LLC member, or sole proprietor has filed a valid workers’ comp exemption certificate. Search by name, employer, or FEIN.
Flood Zone Lookup
FEMA Flood Zone by Address
Look up any Florida address to find its FEMA flood zone designation, flood map panel, and whether flood insurance is likely required by your lender.
Comp Calculator
Workers' Comp Premium Estimator
Estimate your Florida workers' compensation premium by entering your payroll and class codes. Instant calculation — no signup required.
Builders Risk Calculator
Construction Insurance Estimator
Estimate the cost of builders risk insurance for your Florida construction project. Enter project value, type, and duration for an instant ballpark figure.
EMR Calculator
Experience Modification Rate
Calculate your Experience Modification Rate (EMR) to understand how your claims history affects your workers' comp premium. Essential for contractors bidding on jobs.
Powered by Sourcy Data™
All lookup tools on this page are powered by Sourcy Data™, a data intelligence platform by Sourcy Inc. Data is sourced from official government portals including FMCSA, Florida DBPR, Florida DFS, and FEMA. Results are for informational purposes only and should be verified with the issuing agency for compliance decisions.
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Bright Coast Insurance is a Florida-based independent agency. We shop multiple A-rated carriers to find you the best rate on workers' comp, general liability, commercial auto, and more.