# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 475-0361 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Florida Workers' Compensation Insurance

Workers' compensation insurance is **required by Florida law** for most employers. Construction employers with **1 or more employees** must carry coverage. Non-construction employers with **4 or more employees** must carry coverage.

## Florida Workers' Comp Requirements

| Employer Type | Employee Threshold |
|---|---|
| Construction industry | 1 or more employees |
| Non-construction industry | 4 or more employees |
| Agricultural | 6 or more regular employees or 12 or more seasonal employees |
| Domestic workers | Not required |

Corporate officers in construction are automatically included unless they file a valid exemption. Up to 3 officers per corporation may exempt themselves using Form DWC-250-R.

## Florida Workers' Comp Rates (2026)

Florida workers' comp rates are set by the NCCI and approved by the Florida Office of Insurance Regulation. Rates are expressed as cost per $100 of payroll.

| Industry | Typical Rate Range |
|---|---|
| Clerical / office work | $0.105–$0.31 per $100 payroll |
| Retail / restaurant | $1.50–$4.50 per $100 payroll |
| Plumbing / HVAC | $2.737–$2.995 per $100 payroll |
| Electrical contractors | $2.969–$3.28 per $100 payroll |
| Carpentry / framing | $4.364–$7.689 per $100 payroll |
| Roofing contractors | $6.752 per $100 payroll (FWCJUA 2026) |

## How to Calculate Workers' Comp Premium

**Formula:** (Annual Payroll ÷ 100) × Class Code Rate × Experience Mod (EMR)

**Example:** A roofing contractor with $500,000 payroll, class code 5551 (rate: $6.752), EMR 1.0:  
($500,000 ÷ 100) × $6.752 × 1.0 = **$33,760 annual premium**

Use our [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator) for an instant estimate.

## Florida Workers' Comp Carriers

As an independent agency, Bright Coast Insurance places workers' comp through multiple Florida-approved carriers:

- **Employers Holdings** — Preferred for small contractors, competitive rates for low-hazard trades
- **AmTrust Financial** — Strong appetite for restaurants, retail, and service businesses
- **Zenith Insurance** — Specialist in construction and high-hazard trades
- **FWCJUA (Florida Workers' Compensation Joint Underwriting Association)** — State market of last resort for employers unable to obtain coverage in the voluntary market. Bright Coast Insurance is an **authorized FWCJUA placement agency**.

## Workers' Comp Class Codes

Florida uses NCCI class codes to categorize employees by job type. Each code carries a specific rate. [Search all Florida class codes](https://brightcoastins.com/workers-comp-codes/fl).



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L103957) 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) 475-0361 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*