The top-rated workers' compensation insurance agent in Homestead, Florida is Ocean Trust Insurance & Financial Services, rated 5.0 stars across 327 reviews. Other highly rated options include George Meroni - State Farm Insurance Agent, Univista Insurance, Your Family First Insurance Inc. This directory lists 26 workers' compensation insurance agents serving Homestead.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ocean Trust Insurance & Financial Services | 809 N Homestead Blvd | (866) 356-2326 |
| 2 | George Meroni - State Farm Insurance Agent | 1801 N Krome Ave | (305) 247-3971 |
| 3 | Univista Insurance | 1413 N Krome Ave | (305) 728-7809 |
| 4 | Your Family First Insurance Inc | 1241 NE 8th St | (786) 601-2193 |
| 5 | Amco Insurance | 208 NE 8th St | (786) 243-9222 |
| 6 | DTRT Insurance Group - Homestead | 650 NE 22nd Terrace Suite 313 | (786) 243-0303 |
| 7 | South Florida Insurance Prof Inc | 1122 N Flagler Ave | (305) 245-3364 |
| 8 | Stoner Insurance 1st State Insurance | 42 N Homestead Blvd | (786) 243-9886 |
| 9 | Cari Aguiar - State Farm Insurance Agent | 2066 NE 8th St | (786) 610-1111 |
| 10 | Dorsal Insurance Inc | 106 N Homestead Blvd | (786) 601-2485 |
Ocean Trust Insurance & Financial Services serves the Homestead, Florida, metro area and surrounding Miami-Dade County as a workers’ compensation insurance agent. The agency helps local employers secure coverage required by state law. Its agents guide businesses through policy options, risk classifications, and premium calculations. General liability insurance and commercial package policies are also handled for clients in this area.
As a workers’ compensation insurance agent, George Meroni - State Farm Insurance Agent serves the Homestead, Florida area with coverage solutions for local businesses. Service and maintenance plans are designed to help employers manage claims and control premium costs over time. Policies address workplace injury risks while supporting compliance with state regulations. The agency assists with policy reviews to align coverage with changing business needs. This agent typically works with single-family homes, apartments, retail establishments, and restaurants requiring this type of insurance protection.
Univista Insurance serves business owners, property managers, and employers in Homestead, Florida, by providing Workers' Compensation Insurance Agent services. It helps local companies secure coverage that meets state requirements and protects against workplace injury claims. The agency also assists in navigating policy options and compliance needs for small and medium-sized enterprises. Univista Insurance extends its professional guidance and support to clients throughout the surrounding Florida City area and the broader South Miami-Dade metropolitan region.
Your Family First Insurance Inc serves local businesses, property managers, and contractors in Homestead, Florida, who require workers’ compensation insurance coverage. The agency helps these clients secure policies that comply with state regulations while protecting employees against workplace injury costs. Guidance is provided on risk management and claims reporting procedures to maintain a smooth experience. Service extends to neighboring communities in southern Miami-Dade County, including the Florida City area and nearby agricultural zones.
Serving Homestead, Florida, and the surrounding communities of Florida City and the Redland, Amco Insurance handles workers’ compensation policies for local businesses. It assists employers in securing coverage that meets state requirements while protecting their workforce from job-related injuries. The agency guides clients through policy selection, helping to balance premium costs with necessary benefits. To manage a typical request, it first reviews the business’s operations and payroll to identify appropriate coverage options, then presents those tailored solutions for the employer’s decision.
Clients of DTRT Insurance Group - Homestead can choose between a one-time policy placement for a single coverage need or an ongoing service relationship to manage changing compliance requirements. Their main focus is assisting local employers with workers’ compensation insurance, which covers medical expenses and lost wages for job-related injuries. This specialist work helps businesses meet state regulations while protecting their workforce. In this role, the agent provides ongoing service as needed throughout the policy term to address claims or modifications.
As local businesses face seasonal shifts in construction and agriculture, owners in Homestead require dependable workers’ compensation insurance coverage. South Florida Insurance Prof Inc provides policies that safeguard both employer and employee from workplace injury costs. The agency helps companies assess liability risks with clarity and direction in a regulatory landscape that demands compliance. Knowing which coverage fits each industry, the agent begins by arranging a thorough review of the business premises and operation procedures to evaluate unique exposure points. A detailed inspection is scheduled to pinpoint specific coverage needs.
Stoner Insurance 1st State Insurance specializes in connecting local businesses with workers' compensation coverage tailored to their specific industry risks. It routinely assists employers in Homestead with navigating policy requirements and managing claims to support workplace safety. The agency helps businesses prepare for seasonal fluctuations, such as the increased agricultural workforce during Florida’s peak harvest and hurricane recovery periods, when worker injury risks rise and coverage adjustments become especially critical.
Cari Aguiar - State Farm Insurance Agent in Homestead, FL, provides general insurance services to local businesses. The agency specializes specifically in workers’ compensation coverage, helping employers manage claims and comply with state regulations. These policies support medical expenses and lost wages for employees injured on the job. The agency’s services are available to a variety of commercial operations, including office environments, warehouses, and food service establishments.
What Does a a Workers' Compensation Insurance Agent in Homestead Cost?
Workers compensation insurance costs in Florida vary widely by industry and payroll. For a small office business, rates may start around 50 cents per 100 dollars of payroll. For construction or agriculture, rates can be 5 to 15 dollars per 100 dollars of payroll. Your agent can provide a specific quote based on your business classification and loss history. This is general information and not insurance advice.
About workers' compensation insurance agents in Homestead
A workers compensation insurance agent in Homestead Florida can help you obtain the coverage required by Florida law. Florida Statute 440.10 mandates that most employers with four or more employees carry workers comp insurance. Local agents understand the unique risks for agriculture and construction businesses common in the Homestead area.
Frequently Asked Questions
What are the requirements for workers compensation insurance in Florida?
Florida law requires employers with four or more employees to carry workers compensation insurance. Construction industry employers with one or more employees must also have coverage. Sole proprietors and partners can elect to exclude themselves from coverage.
How can a workers compensation insurance agent help my Homestead business?
An agent can assess your specific business risks and help you choose a policy that meets Florida legal requirements. They can also explain how your premium is calculated based on payroll and classification codes. This ensures you are neither underinsured nor overpaying.
What happens if I do not have workers comp insurance in Florida?
Failure to carry required workers compensation insurance in Florida can result in fines up to twice the premium you would have paid. The state may also issue a stop-work order that closes your business until you obtain coverage. Repeat violations can lead to criminal penalties.
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