Florida's Independent Insurance Agency
Protecting FloridaBusinesses &Families
Florida's independent insurance agency — serving businesses and families statewide from Miami and Fort Lauderdale to Orlando, Jacksonville, Tampa, and everywhere in between. We shop multiple carriers to find the right coverage at the right price.
500+
Florida Class Codes
Workers comp rates by industry
6
States Covered
FL, MI, IL, TX, SC, NC
24/7
Certificate Access
Self-service client portal
100%
Independent Agency
We shop multiple carriers
What We Cover
Complete Coverage for Florida Businesses
As an independent agency, we represent multiple top-rated carriers to find you the best combination of coverage and price. From a single employee to a large commercial fleet — we've got you covered.
Workers Compensation
Protect your employees and your business. Florida workers comp coverage for businesses of all sizes, with competitive rates across all class codes.
General Liability
Comprehensive general liability insurance to protect your Florida business from third-party claims, property damage, and bodily injury.
Commercial Auto
Coverage for your business vehicles, fleets, and drivers. From single-vehicle policies to full commercial fleet programs.
Homeowners Insurance
Protect your Florida home with comprehensive homeowners coverage. Hurricane, flood endorsements, and more for Sunshine State residents.
Personal Auto
Affordable personal auto insurance for Florida drivers. We shop multiple carriers to find you the best rates and coverage.
Certificate of Insurance
Need a certificate of insurance fast? Our self-service portal lets you request and download certificates 24/7.
Free Educational Resource
Florida Workers CompClass Code Lookup
Every business is classified by a 4-digit NCCI class code that determines your workers' compensation rate. Look up any class code to understand what it covers and see current rates for Florida, Michigan, Illinois, Texas, South Carolina, and North Carolina.
- Instant rate lookup by class code
- All 6 states: FL, MI, IL, TX, SC, NC
- Plain-English descriptions for every code
- Compare rates across states
Quick Class Code Search
Enter a class code or job description to get started
Try searching "roofing", "5551", "plumbing", or "clerical"
Why Choose Us
A Florida Agency That Works for You
As a Florida-based independent insurance agency, we serve businesses statewide — from Miami and Fort Lauderdale to Orlando, Jacksonville, and Tampa. We understand the unique challenges Florida businesses face, from hurricane exposure to construction liability, and we represent multiple top-rated carriers to get you the best coverage at the best price.
- Independent agency — we work for you, not the insurance company
- Competitive rates across all Florida workers comp class codes
- Fast quotes — most businesses get coverage in 24 hours
- Statewide coverage — Miami, Orlando, Jacksonville, Tampa, and beyond
- Self-service certificate portal available 24/7
- Licensed in FL, MI, IL, TX, SC, and NC
Technology-Forward Agency
AI-Powered Insurance Built for You
We're not your average insurance agency. Bright Coast leverages cutting-edge AI and automation technology to compare rates across dozens of carriers in real time, identify the best coverage options for your specific business, and manage your policy more efficiently than ever before. The result: better coverage, lower premiums, and faster service.
Instant market comparison across top carriers
Smart algorithms find hidden savings
Automated renewals and policy tracking
🇺🇸 English & 🇪🇸 Spanish
Our licensed agents are fully bilingual — fluent in both English and Spanish. Whether you prefer to discuss your coverage in English or Spanish, we're here to help you understand your policy and make the best decision for your business or family.
Instant Certificates of Insurance
Need a certificate right now? Get it instantly through our 24/7 online client portal — no waiting, no phone calls required. Prefer to speak with someone? Our agents are available to issue certificates by phone or text.
Online Portal: 24/7
Self-service, instant download
Phone & Text: Mon–Fri, 8am–5pm
Call or text (239) 323-0785
Our Coverage Area
Licensed Across 6 States
We serve businesses across all of Florida — Miami, Fort Lauderdale, Orlando, Jacksonville, Tampa, and everywhere in between. We're also licensed in Michigan, Illinois, Texas, South Carolina, and North Carolina.
Client Testimonials
Trusted by Florida Businesses
"Bright Coast made getting workers comp for my roofing crew incredibly easy. They found us a rate we couldn't beat anywhere else."
Mike T.
Roofing Contractor, Miami FL
"As a small landscaping business, I needed affordable coverage fast. Bright Coast had me covered the same day I called."
Carlos R.
Landscape Company Owner, Orlando FL
"The certificate portal is a game-changer. I can pull certificates for my GCs at any time without calling anyone."
Sandra M.
General Contractor, Jacksonville FL
Common Questions
Florida Insurance FAQ
What types of insurance does Bright Coast Insurance offer?+−
Bright Coast Insurance offers workers' compensation, general liability, commercial auto, homeowners, and personal auto insurance. As an independent agency, we work with multiple top-rated carriers to find the best coverage and price for your specific needs.
Does Bright Coast Insurance serve all of Florida?+−
Yes. We are a statewide Florida insurance agency serving businesses and individuals across Miami, Fort Lauderdale, Orlando, Jacksonville, Tampa, and all of Florida. We also write policies in Michigan, Illinois, Texas, South Carolina, and North Carolina.
How much does workers compensation insurance cost in Florida?+−
Florida workers' comp costs depend on your class code (job type), total payroll, and experience modification factor (EMR). Rates range from under $1.00 per $100 of payroll for low-risk office work to over $20 per $100 for high-risk trades like roofing. Use our free class code rate lookup to find your specific rate, then contact us for an accurate quote.
Is workers compensation insurance required in Florida?+−
Yes. Florida law requires most employers to carry workers' compensation insurance. Construction businesses with one or more employees must be covered. Non-construction businesses with four or more employees (including part-time) must carry coverage. Agricultural employers with six or more regular employees or 12 or more seasonal workers also need coverage. Sole proprietors and partners may exempt themselves.
What is a workers comp class code and how do I find mine?+−
Workers' comp class codes (NCCI codes) classify employees by their job duties to determine the correct insurance rate. Each code has a specific rate per $100 of payroll. Use our free Florida class code lookup tool to search all NCCI codes and 2026 rates. If you're unsure which code applies to your business, call us at (239) 323-0785 and a licensed agent will help you.
How do I get a certificate of insurance quickly?+−
Bright Coast Insurance clients can request certificates of insurance 24/7 through our online self-service portal. For urgent requests, call or text us at (239) 323-0785 Monday through Friday, 8 AM–5 PM. We issue most certificates the same business day.
Do you have Spanish-speaking insurance agents?+−
Yes. Bright Coast Insurance has bilingual English and Spanish-speaking agents available to assist you. We serve Florida's large Spanish-speaking business community and can handle your entire policy — from quote to certificate — in Spanish.
What is an independent insurance agency and why does it matter?+−
An independent insurance agency like Bright Coast Insurance represents multiple insurance carriers rather than a single company. This means we shop your coverage across many insurers to find the best combination of price, coverage, and carrier financial strength for your business. You get unbiased advice and more options than you would going directly to a single insurer.
Agent Portal
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Get Started Today
Ready to Protect Your Florida Business?
Get a free, no-obligation quote today. Most businesses receive coverage options within 24 hours.