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
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
Get Started Today
Ready to Protect Your Florida Business?
Get a free, no-obligation quote today. Most businesses receive coverage options within 24 hours.