Your employees are one of your business's greatest assets. At Emperor Insurance, we compare workers' compensation insurance options from multiple trusted insurance companies to help you find coverage that fits your business, your team, and your budget. Request your free workers' compensation insurance quote today and let our experienced, licensed agents help you compare your options and choose the policy that's right for your business.
Independent agency · Est. 2007
Get Your Free Workers Comp Quote
Takes about 90 seconds. We work to find coverage that fits.
Why Clients Choose Us for Workers' Comp
Real benefits. No gimmicks.
Class Code Review Before Submission
Misclassification is the most expensive mistake in workers comp. We check first.
Subcontractor Questions Answered
How subs are treated varies by rule and by carrier. We look at your actual arrangements.
Payroll Documented Correctly
Accurate payroll at quoting reduces surprises at audit.
Construction and Non-Construction Markets
Appetite differs widely between the two. We approach the right ones.
Audit Support From Your Agent
The same licensed agent who placed the policy helps when the audit arrives.
Certificates for Your General Contractor
Issued quickly, in many cases the same business day.
Employers We Commonly Insure
Florida requirements depend on industry and headcount, and they change. These are the employers who most often ask us to review their situation.
Construction Businesses
Where Florida requirements are strictest and carrier appetite is narrowest.
Businesses Hiring Their First Employee
Moving from owner-only to employer status raises immediate questions.
Companies Using Subcontractors
Sub arrangements affect both requirements and audit outcomes.
Restaurants and Hospitality
High turnover and mixed class codes on a single policy.
Staffing and Seasonal Employers
Fluctuating headcount through the year.
Businesses Facing an Audit
Often the point at which an employer wants a second set of eyes.
Frequently Asked Questions
Common questions about workers' comp.
Florida requirements depend on your industry and how many people you employ, and they change. Rather than guess, call 305-253-5343 and a licensed insurance agent will walk through your situation with you.
How subcontractors are treated varies by state rule and by insurance company. Bring your subcontractor details and any certificates you hold from them, and a licensed insurance agent will review what the carriers we represent will need.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares workers compensation insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically your business operations, payroll, and employee count. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Stay Compliant. Protect Your Team.
Workers' comp quotes for every Florida class code, office to construction.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.