Workers' compensation
Cover employee medical costs and lost wages from on-the-job injuries, and keep your business compliant with Florida requirements.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Premium is driven by payroll and class code. Misclassified payroll causes surprise audit bills — we review your operations up front to avoid that.
Requirements depend on industry and employee count — construction businesses have stricter thresholds than most others. We'll walk you through where your business lands.
If they can't provide proof of coverage, they may be counted on your payroll at audit. Always collect certificates.
Primarily by payroll and job class codes, adjusted by your experience modification and claims history.
At the end of the policy term, the carrier reviews your actual payroll and class codes to finalize your premium.
In Florida, some corporate officers can file an exemption. Rules differ for construction. We'll help you understand your options.
Report the injury to the employer promptly and seek medical care. The employer should report the claim to the carrier quickly.
Some carriers offer pay-as-you-go billing tied to your payroll, which can help with cash flow.