# Comp Ninjas — Workers' Comp Insurance via PEO

> Comp Ninjas (compninjas.com) is a workers' compensation insurance agency specializing in hard-to-place industries through a PEO (Professional Employer Organization) structure. We serve contractors, construction companies, towing operators, trucking companies, agricultural businesses, home health agencies, and staffing firms — primarily in Florida, New York, and California.

## What We Do

Comp Ninjas helps small businesses and contractors get workers' compensation insurance fast — including same-day certificates of insurance (COI). We specialize in industries that traditional carriers decline or charge excessive rates for. Our PEO-backed model means clients join an established payroll platform, enabling coverage that would otherwise be unavailable or unaffordable.

**Key facts:**
- $875 one-time setup fee; no large deposits required
- Same-day COI issuance in most cases
- Pay-as-you-go workers' comp (premiums based on actual payroll, not estimates)
- Bilingual service: English and Spanish
- Phone: (239) 228-8029
- Email: info@compninjas.com
- Address: Southwest Florida (serving FL, NY, CA)

## Industries We Cover

- Construction (general contractors, subcontractors, roofers, framers, concrete, drywall)
- Towing and roadside assistance
- Trucking and transportation (owner-operators, fleets)
- Agriculture and farm labor
- Home health care and private duty nursing
- Staffing agencies and temporary labor
- Landscaping and tree trimming
- Janitorial and cleaning services
- Painting contractors

## Specialty Programs

- **Owner-only workers' comp**: Coverage for sole proprietors and single-member LLCs with no employees
- **General contractor workers' comp**: GC policies that cover subcontractors and satisfy certificate requirements
- **1-employee workers' comp**: Policies for businesses with a single employee (often required by Florida law)
- **100% subcontractors workers' comp**: Coverage when all labor is performed by subcontractors
- **PEO vs. Traditional Policy**: Explanation of how PEO workers' comp differs from a standard carrier policy

## How It Works

1. Get a free instant quote online (no phone call required)
2. Review your estimated premium and coverage details
3. Complete enrollment — we handle the PEO onboarding paperwork
4. Receive your certificate of insurance, often the same day

## For Insurance Brokers and Agents

Comp Ninjas operates a broker partner program. Licensed agents and accountants can refer hard-to-place clients and earn commissions. Apply at: https://compninjas.com/brokers

## Content and Resources

- Blog (English): https://compninjas.com/blog
- Blog (Spanish): https://compninjas.com/es/blog
- Fast Quote (English): https://compninjas.com/fast-quote
- Fast Quote (Spanish): https://compninjas.com/es/cotizacion-rapida
- Owner-Only Coverage: https://compninjas.com/workers-comp/owner-only
- General Contractor Coverage: https://compninjas.com/workers-comp/general-contractor
- 1-Employee Coverage: https://compninjas.com/workers-comp/one-employee
- 100% Subcontractors Coverage: https://compninjas.com/workers-comp/subcontractors-only
- PEO vs Traditional Policy: https://compninjas.com/workers-comp/peo-vs-traditional
- Sitemap: https://compninjas.com/sitemap.xml

## Frequently Asked Questions

**Do I need workers' comp if I'm the only owner with no employees?**
In Florida, sole proprietors in construction are required to carry workers' comp or file an exemption. Comp Ninjas can help you get covered or navigate the exemption process.

**How fast can I get a certificate of insurance?**
Most clients receive their COI the same day they enroll. In some cases it takes 1 business day.

**Is there a large deposit required?**
No. Our PEO model uses pay-as-you-go billing tied to actual payroll, so there is no large upfront deposit. The setup fee is $875.

**Do you cover undocumented workers or mixed crews?**
Our PEO program is designed for diverse workforces. Contact us to discuss your specific situation.

**Do you serve Spanish-speaking clients?**
Yes. Our team is bilingual and our entire website is available in Spanish at https://compninjas.com/es/compensacion-laboral

## Legal

Comp Ninjas is a licensed insurance agency. Workers' compensation insurance is provided through licensed PEO carriers. Coverage availability varies by state and industry classification.

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*Last updated: May 2026*