The top-rated workers' compensation insurance agent in St Cloud, Florida is Univista Insurance, rated 5.0 stars across 791 reviews. Other highly rated options include MM Insurance Pro, Client Care Insurance, Dolly Clements Garcia - State Farm Insurance Agent. This directory lists 20 workers' compensation insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 521 13th St | (407) 964-1787 |
| 2 | MM Insurance Pro | 1207 Michigan Ave | (407) 908-7474 |
| 3 | Client Care Insurance | 2001 Hickory Tree Rd | (407) 574-5599 |
| 4 | Dolly Clements Garcia - State Farm Insurance Agent | 1101 New York Ave | (407) 556-3203 |
| 5 | Ford Insurance | 113 E 13th St | (407) 847-5892 |
| 6 | Amsley Insurance Services | 1617 13th St | (407) 892-9645 |
| 7 | Advantage Insurance Advisors - St. Cloud | 910 13th St | (321) 945-8153 |
| 8 | GreatFlorida Insurance: Tony Busby | 1417 Hamlin Ave UNIT G | (407) 270-8220 |
| 9 | Barakat Insurance Agency | 2722 13th St | (407) 705-3877 |
| 10 | Central Care Insurance | 3415 Perching Rd | (833) 339-6434 |
Univista Insurance in St Cloud, Florida provides workers’ compensation insurance, distinguishing between one-time coverage for isolated needs and recurring policies for ongoing legal and medical protection. As a designated agent, the company helps businesses choose plans that comply with state requirements and mitigate the costs of workplace injuries before they arise. Its service operates strictly on an as-needed basis, allowing clients to secure quotes or adjust coverage only when their current insurance situation demands attention.
MM Insurance Pro serves the St. Cloud, Florida, area as a workers’ compensation insurance agent, helping local businesses secure coverage that meets state requirements. The agency guides employers through policy options designed to protect both their staff and their financial stability. It works with companies to manage premium costs while ensuring compliance with Florida’s workers’ compensation laws. MM Insurance Pro assists with claims reporting and risk management support. It also handles policy renewals and payroll audit coordination for its clients in the region.
Client Care Insurance provides comprehensive workers’ compensation insurance agent services in St Cloud, Florida, assisting businesses with policy selection, risk assessment, and claims support. Its service and maintenance plans include ongoing coverage reviews, compliance updates, and annual policy audits to ensure current protection. The agency handles pay-as-you-go options, premium payment plans, and workplace safety evaluations for its clients. It services a broad range of properties including construction contractors, retail operations, restaurants, and single‑family home renovation businesses.
Dolly Clements Garcia - State Farm Insurance Agent serves local businesses, property managers, and homeowners in St Cloud, FL who need workers' compensation coverage. The agency helps business owners secure policies that cover medical expenses and lost wages for employees injured on the job. It also assists property managers with coverage for maintenance and ground crews. Workers' compensation insurance ensures compliance with Florida state requirements while protecting a company's financial stability. Beyond St Cloud, this agency also covers Kissimmee and the surrounding Osceola County area.
Ford Insurance serves St Cloud and the surrounding communities of Central Florida, providing workers' compensation insurance agent services for local businesses. It handles coverage for workplace injuries and related claims management for employers in the area. The agency works with small to mid-sized companies to help them meet state-mandated insurance requirements and reduce financial risks from on-the-job accidents. To handle a typical job, it evaluates each client's specific industry exposure and tailors a policy that aligns with their operational needs and safety record.
Amsley Insurance Services in St Cloud, FL helps businesses distinguish between securing a one-time workers’ compensation policy for a single project and establishing an ongoing recurring policy for continuous payroll and liability coverage. As a workers’ compensation insurance agent, they guide employers through selecting coverage that complies with Florida regulations while protecting against workplace injury claims. Their services function on both a scheduled and as-needed basis, with clients able to request consultation for new policies or adjust existing coverage as business operations change.
As local businesses in St. Cloud prepare for seasonal shifts in staffing, securing proper workers' compensation coverage becomes a pressing concern. Advantage Insurance Advisors - St. Cloud assists employers in obtaining policies that meet Florida’s regulatory requirements, focusing on appropriate classification codes and premium accuracy. Their agency reviews each client’s specific operations to identify potential exposure areas and cost-saving opportunities. The process typically begins with a thorough on-site inspection or scheduling an initial assessment to review current payroll and safety protocols.
GreatFlorida Insurance: Tony Busby provides workers’ compensation insurance agency services, specializing in coverage solutions for local businesses navigating workplace injury claims and compliance. The agency assists employers in securing policies that meet state requirements while addressing risk management needs unique to the St Cloud, Florida area. Clients benefit from guidance on premium evaluation and claims support to protect their workforce. When seasonal construction projects increase or hurricane preparation heightens workplace hazards, the agency helps businesses adjust their coverage accordingly.
Barakat Insurance Agency provides workers’ compensation coverage solutions to businesses throughout St Cloud, Florida. The agency specializes in tailoring insurance policies that address a company’s specific operational risks and regulatory requirements. It helps employers navigate the complexities of Florida’s workers’ compensation laws while ensuring appropriate financial protection. The agency’s client base ranges across multiple commercial sectors, including professional offices, warehousing and distribution facilities, and food service establishments.
Central Care Insurance serves residential clients in St. Cloud, handling workers' compensation insurance needs for local homeowners and their domestic staff. The agency also provides commercial coverage for area small businesses, ensuring compliance with Florida’s workers' compensation requirements. Their service area encompasses St. Cloud and the surrounding communities in Osceola County. After each policy is issued, the agent promptly follows up to confirm proper documentation and schedules regular visits for annual policy reviews and ongoing client support.
What Does a a Workers' Compensation Insurance Agent in St Cloud Cost?
Workers compensation insurance costs in Florida vary by industry payroll and claims history. Typical rates range from 0.75 to 2.50 per 100 dollars of payroll for low risk office jobs and up to 15 to 30 dollars per 100 dollars for high risk construction work. Each business receives a unique quote based on its specific risk factors. This is general information and not insurance advice.
About workers' compensation insurance agents in St Cloud
Workers compensation insurance agents in St Cloud Florida help employers meet state legal requirements. Florida law generally requires businesses with four or more employees to carry workers compensation coverage. A local agent can guide you through the specific rules for your industry and business size in Osceola County.
Frequently Asked Questions
Who needs workers compensation insurance in St Cloud Florida?
In Florida most businesses with four or more employees must carry workers compensation insurance. Construction companies with one or more employees are also required to have coverage. A St Cloud agent can help determine if your business meets the exemption criteria.
What does a workers compensation insurance agent do in St Cloud?
An agent helps you compare policies from different carriers to find coverage that fits your business needs. They also assist with filing claims and ensuring compliance with Florida Division of Workers Compensation rules. Agents provide ongoing support to manage policy changes and audits.
How can I lower my workers compensation insurance costs in Florida?
You can reduce costs by implementing a strong safety program and maintaining a clean claims history. Florida allows premium discounts for businesses that use approved drug-free workplace programs. An agent can also help you classify employees correctly to avoid overpaying.
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