Got a Client Who Got Declined?
Send Them to Comp Ninjas. We'll Cover Them.

Comp Ninjas accepts referrals for virtually any employer who has been declined or non-renewed in the voluntary workers comp market. This includes roofing contractors (code 5551), general contractors, framing crews, concrete subcontractors, towing companies, trucking companies, home health agencies, staffing companies, agricultural employers, and any other high-risk or hard-to-place classification. We also accept new businesses with no prior loss history, businesses with prior claims, and businesses that have been in the JUA.

The process is simple: (1) You identify a client who needs workers comp and cannot get it in the voluntary market. (2) You submit their basic information to us — business name, industry, state, estimated payroll, and number of employees. (3) We quote them within 24 hours and handle all enrollment paperwork. (4) Your client gets covered — often the same day — and receives a Certificate of Insurance. (5) You receive a referral fee. We handle everything after the introduction. You keep the client relationship.

Referral fees are paid per enrolled client and vary based on the size of the account. Contact us directly at (239) 228-8029 to discuss current referral fee structures. We pay promptly upon enrollment and do not require you to be licensed in workers comp or to have any ongoing involvement in the account.

No. You do not need to be licensed in workers comp to refer clients to Comp Ninjas. As long as you are a licensed insurance agent or broker in Florida (or another state where we operate), you can refer clients and receive a referral fee. We handle all the licensed workers comp placement through our PEO program.

No. We are a workers comp specialist, not a full-service agency. We do not write general liability, commercial auto, property, or other lines. Your client relationship for all other lines of coverage remains entirely yours. We handle only the workers comp placement through our PEO program. Many of our broker partners refer dozens of clients per year and maintain strong relationships with all of them.

In most cases, we can issue a Certificate of Insurance the same day the client enrolls. The enrollment process requires basic business information, a signed PEO service agreement, and the $875 setup fee. Once these are complete, the COI is issued immediately. For clients who need a COI urgently — for example, to start a job tomorrow — same-day coverage is our standard, not an exception.

Comp Ninjas primarily serves Florida, with a focus on South Florida, Central Florida, and the Tampa Bay area. We have particular strength in Miami-Dade, Broward, Palm Beach, Collier, Lee, and Hillsborough counties. Contact us to discuss coverage availability in other states.

A PEO (Professional Employer Organization) is a co-employment arrangement where your client's employees are co-employed by the PEO. The PEO carries the workers comp policy under its own master policy, which means your client benefits from the PEO's established loss history and carrier relationships — not their own. This is why PEO programs can cover employers who have been declined everywhere else. Compared to the Florida JUA, a PEO program typically costs 20–35% less, issues coverage the same day (vs 10–30 days for the JUA), requires only a $875 setup fee (vs 25–35% deposit for the JUA), and eliminates the annual audit.