Need a COI to start a job today? We issue your workers' compensation Certificate of Insurance the same business day — emailed directly to you and your general contractor.
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These Florida compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.
Florida DFS states that contractors must make sure subcontractors have the required workers’ compensation coverage before they begin work. If a subcontractor lacks required coverage, its workers can become the contractor’s employees for workers’ compensation responsibility.
Source: Florida Department of Financial Services Florida contractor coverage requirements
Florida’s Division of Workers’ Compensation provides a public Proof of Coverage Database that can be searched by employer name, FEIN, policy number, dates, county, and city. The portal advises confirming which workers a PEO has accepted for coverage.
Source: Florida Division of Workers’ Compensation Florida Proof of Coverage Database
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In Florida's competitive construction and contracting market, the ability to produce a Certificate of Insurance (COI) on demand can mean the difference between winning a job and losing it. Florida general contractors, property owners, municipalities, and motor clubs all require proof of active workers' compensation coverage before work begins — and many require the COI to be issued by a specific carrier or to name them as certificate holder.
Traditional Florida insurance carriers typically take 3–7 business days to issue a COI after a policy is bound. For a Florida contractor who just won a bid and needs to start Monday morning, that delay is unacceptable and can cost the job.
Comp Ninjas issues your workers' comp COI the same business day in most cases. Florida contractors submit the Comp Ninjas quote form, get approved, pay the $875 setup fee, and receive their COI by email within hours — ready to send to any general contractor, property owner, or Florida DFS investigator.
Complete our 2-minute online form with your business info, industry, number of employees, and estimated payroll. No lengthy paperwork or in-person meetings required.
Our team reviews your application and provides a quote typically within 1–2 hours during business hours. Once you approve and pay the $875 setup fee, your coverage is bound.
Your Certificate of Insurance is emailed to you and any additional insureds or certificate holders you specify — the same business day your coverage is bound.
A Certificate of Insurance (COI) for workers' comp is a document that proves a Florida employer has active workers' compensation coverage. It shows the policy number, coverage limits, effective dates, the name of the insurance carrier, and the certificate holder (typically the general contractor or property owner). Florida general contractors, property owners, and municipalities require a COI before allowing any contractor or subcontractor to work on their job sites.
With Comp Ninjas, your Florida workers' comp COI is issued the same business day in most cases. Once your Comp Ninjas application is approved and your $875 setup fee is processed, Comp Ninjas emails your COI directly to you — and to any additional insured or certificate holder you specify, including your general contractor or property owner.
Yes. Comp Ninjas issues your Florida workers' comp COI as soon as your PEO enrollment is approved and your $875 setup fee is paid. You don't need to wait for a payroll cycle. This is critical for Florida contractors who need to start a job immediately or lift a Florida DFS Stop Work Order.
Yes. When we issue your COI, you can specify any number of additional insureds or certificate holders. We'll email the COI directly to your GC, property owner, or any other party that requires proof of coverage.
A workers' comp COI includes: the name of the insured (your company), the insurance carrier name, the policy number, the effective and expiration dates of the policy, the coverage limits (statutory in Florida), and the name of the certificate holder (your GC or client).
A Florida workers' comp COI is valid for the policy period, typically one year. Under Comp Ninjas' PEO program, coverage is continuous as long as you remain enrolled and current on payments. Comp Ninjas sends renewal COIs automatically before your policy expires — so your Florida general contractors and clients always have a current certificate on file.
Same-day COI. No large down payment. Bilingual support. Get your free quote in 2 minutes.