The top-rated workers' compensation insurance agent in Palm Coast, Florida is O'Quinn Insurance Services, rated 5.0 stars across 248 reviews. Other highly rated options include Insurance Office of America, Integrity Insurance Group of Florida, The Berk Insurance Agency. This directory lists 19 workers' compensation insurance agents serving Palm Coast.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | O'Quinn Insurance Services | 1499 Palm Coast Pkwy NW Ste F | (386) 204-8789 |
| 2 | Insurance Office of America | 1 Hargrove Grde Building B, Suite 3 | (386) 276-9130 |
| 3 | Integrity Insurance Group of Florida | 5182 N Ocean Shore Blvd unit c | (386) 259-1000 |
| 4 | The Berk Insurance Agency | 17 Old Kings Rd suite r | (386) 627-7405 |
| 5 | Coastal Palm Insurance Company | 2 Pine Lakes Pkwy #6 | (386) 313-5908 |
| 6 | Heart of Florida Insurance Group | 21 Old Kings Rd N B102 | (386) 445-0061 |
| 7 | Brightway Insurance, The Flagler Agency | 55 Plaza Dr #5 | (386) 597-8200 |
| 8 | Rob Watkins - HealthMarkets Insurance Agent | 12 Roxton Ln | (386) 569-6856 |
| 9 | Atlantic Benefit Consultants, LLC | 50 Leanni Way UNIT E3 | (386) 383-3101 |
| 10 | Santos Group - All Insurance | 25 Palm Harbor Village Way W STE 5A | (386) 597-1112 |
O'Quinn Insurance Services serves the Palm Coast, Florida area as a local workers’ compensation insurance agent. The company assists employers in securing coverage that meets state-mandated requirements for workplace injury protection. Workers’ compensation policies help businesses manage medical costs and lost wages for employees injured on the job. O’Quinn Insurance Services also supports clients with policy compliance and renewal planning. It handles policy comparisons and risk evaluation for local businesses in Palm Coast.
Insurance Office of America provides workers’ compensation insurance agent services for employers in Palm Coast, Florida. The agency helps businesses secure coverage for work-related injuries and medical costs, ensuring compliance with state requirements. It offers ongoing policy management and claims support to help mitigate risks and streamline claims processes for clients. Its service plans include regular policy reviews and guidance on loss prevention strategies. The company’s clientele includes properties such as single-family homes, apartments, retail operations, and restaurants.
Integrity Insurance Group of Florida in Palm Coast helps local businesses and property managers secure the workers' compensation coverage required for a professional workforce. The agency focuses on explaining policy options to ensure compliance with Florida regulations, reducing employer risk through proper classification and payroll reporting. Its counselors assist with claims guidance and audit preparation for small and medium-sized companies operating along the Flagler-Volusia corridor, including the Flagler Beach area.
Serving Palm Coast and the surrounding communities of Flagler County, The Berk Insurance Agency handles workers' compensation insurance for local businesses. It works with employers to secure coverage that meets state legal requirements and protects against workplace injury claims. The agency focuses on understanding each client’s specific industry risks and payroll structure. To handle a typical job, it first reviews the business’s operations and loss history, then provides policy options from multiple carriers to match the coverage to the employer’s needs.
Coastal Palm Insurance Company in Palm Coast, Florida, works with employers to compare one-time policy assessments against the flexibility of scheduled coverage renewals to secure workers' compensation insurance that meets legal requirements. Its services address the need for protecting employees and managing workplace injury risks, a standard function for agents in this area. Service runs on a scheduled basis as policies typically require annual review and adjustment.
Heart of Florida Insurance Group specializes in workers’ compensation insurance for businesses in and around Palm Coast. It advises employers on securing coverage that meets state requirements while managing policy costs. The agency assists with risk assessment and workplace safety planning to help reduce claim frequency. It also guides clients through the claims process to support smooth recovery and return-to-work outcomes. When seasonal construction activity peaks or a sudden workplace injury disrupts operations, the company helps businesses navigate the resulting coverage and compliance challenges.
As seasonal storms and shifting construction activity in Palm Coast create variable workplace risks, Brightway Insurance, The Flagler Agency helps local businesses secure appropriate workers' compensation policies. The company focuses on matching employers with coverage that addresses payroll fluctuations and common industry exposures in the area. By reviewing operations and safety protocols during an initial consultation, the agent structures a policy to meet state requirements and protect both the business owner and their employees. An on-site assessment typically follows to finalize the terms of coverage.
Rob Watkins - HealthMarkets Insurance Agent serves the Palm Coast, Florida area as a workers' compensation insurance agent. The agency helps local business owners secure coverage designed to protect employees in the event of a workplace injury or illness. This specialty insurance addresses medical expenses and lost wages while keeping the employer compliant with state regulations. Clients may include various commercial operations that face typical occupational risks, such as administrative offices, light manufacturing warehouses, and food service establishments.
Atlantic Benefit Consultants, LLC, located in Palm Coast, FL, is known for helping local businesses secure workers' compensation insurance coverage. The company serves employers throughout the area, offering standard policies that meet state requirements and protect against workplace injury claims. Their services include risk assessment to match coverage with operational needs and assistance with payroll classification for accurate premium calculation. As an add-on specialty, the firm provides guidance on return-to-work program strategies to help reduce claim costs.
What Does a a Workers' Compensation Insurance Agent in Palm Coast Cost?
Typical costs for workers compensation insurance in Florida range from 0.75 to 2.50 dollars per 100 dollars of payroll for low-risk office jobs. Higher risk jobs like construction can cost 5 to 15 dollars per 100 dollars of payroll. Rates are set by the National Council on Compensation Insurance and approved by the Florida Office of Insurance Regulation. Your specific rate depends on your industry classification, payroll size, and claims history. This is general information and not insurance advice.
About workers' compensation insurance agents in Palm Coast
Workers compensation insurance agents in Palm Coast Florida help local businesses meet state requirements. Florida law requires most employers with four or more employees to carry workers compensation coverage. An agent can guide you through the specific rules for construction and agricultural industries in Flagler County.
Frequently Asked Questions
Who needs workers compensation insurance in Palm Coast Florida?
In Florida any employer with four or more employees must have workers compensation coverage. Construction businesses with one or more employees are also required to carry it. Sole proprietors and partners may choose to exclude themselves from coverage.
How does a workers compensation insurance agent help my business?
An agent helps you find a policy that meets Florida state requirements and fits your budget. They can explain how your premium is calculated based on payroll and classification codes. They also assist with filing claims and managing your policy if your business grows.
What are the penalties for not having workers compensation in Florida?
Florida law imposes a stop-work order on any business found without required coverage. Fines can reach up to 1000 dollars per day of noncompliance. The business may also face criminal charges for intentional violation.
Workers' Compensation Insurance Agents in Other Florida Cities
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