Workers’ compensation · FL, NY, NJ & PA
A work injury is a medical and wage problem first. Having a policy is not the same as having payroll, class codes, and certificates that match the job.
Jupiter Coverage is an independent agency based in Jupiter, Florida. We are licensed in Florida, New York, New Jersey, and Pennsylvania, and we place workers’ compensation in all four states from this office. We review it the same way we handle other commercial coverage: start with who is on site and how the work is done, then look at what the policy would actually do after a claim.
Workers’ compensation is meant to help with medical costs and a portion of lost wages after a covered work injury. It is also the coverage many general contractors, landlords, and lenders want to see on a certificate. This page is general information for employers in all four states — not legal advice and not a quote tool. Each state sets its own rules, which we cover below.
Jupiter Coverage is based in Jupiter, Florida. From the one office at 1106 W Indiantown Rd, Suite 3, we work with employers in Jupiter, Palm Beach Gardens, West Palm Beach, Tequesta, Stuart, Port St. Lucie, Parkland, Boca Raton, and Delray Beach, across Palm Beach, Martin, St. Lucie, and Broward counties, and with clients elsewhere in Florida, New York, New Jersey, and Pennsylvania. There is no second office. See all areas we serve.
Premium follows payroll and how the work is classified — office, kitchen, delivery, construction trades, and the rest. The application has to match how people actually spend their time. Guessing low to cheapen a quote creates an audit problem later. New York, New Jersey, and Pennsylvania use their own class codes, so codes are set state by state. Hospitality and restaurant payrolls are a common example; see restaurant and hospitality insurance for that setting.
If your business is large enough for an experience mod, carriers use your recent claims history — compared with similar operations — as a factor that can raise or lower premium. A clean run helps. A few serious claims can follow the file for years. We explain the number in plain language when it shows up on a worksheet.
Some carriers offer dividend plans for certain classes of business when loss results are strong. A dividend is not guaranteed and is not a discount on day one — it is a possible return of premium after the policy period, if the plan pays. Eligibility depends on the class, the carrier, and how the account performs. We will tell you when a dividend plan is worth looking at for your operation and when a straight guaranteed-cost quote is the better fit.
Contracts often ask for a current certificate showing workers’ compensation in the right state, the named insured, and the dates they expect. New York agencies often ask for their own state proof-of-coverage forms. Those requests are handled from this office — see certificates and claims. A screenshot of a declarations page is not the same as the certificate they asked for.
Seasonal hiring, a second location, employee delivery, subcontractors on site, and new trades on a job all change who belongs on the policy and what class codes apply. Tell us how the work is done now — not how it looked last renewal — and we will say what belongs on the proposal.
Calling someone a contractor does not end the workers’ compensation question. Who sets the hours, who brings the tools, and whether they work for anyone else still matter. In construction, Florida treats the person as a business owner or an employee more strictly than other industries. New York, New Jersey, and Pennsylvania apply their own tests, so the answer can differ by state. A handshake and a 1099 are not enough.
Workers’ compensation sits next to general liability, property, and the other lines most employers already discuss. We do not add them by default. For the broader commercial file, see commercial insurance. Short coverage notes also live on the Coverage Desk.
Florida does not use one headcount number for every business. This is general information based on how the Division of Workers’ Compensation describes coverage requirements — confirm your situation with counsel or the Division when you need a formal answer:
We shop markets and explain what a form will and will not do. The one office is in Jupiter; Florida employers elsewhere in the state are still reviewed from here.
The Florida rules above do not carry over to other states. Each state sets its own requirements. This is general information, not legal advice — confirm your situation with counsel or the state agency when you need a formal answer:
Whether the business is in Florida, New York, New Jersey, or Pennsylvania, the one office is in Jupiter; we follow up from Jupiter Coverage.
Yes. Jupiter Coverage places Florida workers’ compensation for restaurants, contractors, offices, and other local employers, and places workers’ compensation for employers in New York, New Jersey, and Pennsylvania from the same office. Call 561-529-4949 or use the quote path on this site.
Some carriers return premium or credit safe employers in certain classes when loss results are strong. Availability depends on class code, payroll, and carrier appetite — ask us whether your risk qualifies.
Most Florida employers with four or more employees must carry workers’ compensation (construction often has stricter rules). Confirm your obligation with us or your counsel; we help place the coverage.
Generally yes, for nearly all employers with even one employee, including part-time staff. New York employers usually also need disability benefits (DBL) and Paid Family Leave coverage, which are separate from the workers’ compensation policy. Confirm your obligation with us or your counsel; we help place the coverage.
Call 561-529-4949 or submit the commercial quote / contact options on jupitercoverage.com. We’ll follow up during Monday–Friday 8:00 AM – 5:00 PM.
If you want the workers’ compensation file reviewed — a new hire count, a renewal, certificates before a bid, or a policy you already have — call (561) 529-4949. Bring payroll by role, any officer exemptions, the states where people work, and the certificate language your contracts ask for. Whether the business is in Florida, New York, New Jersey, or Pennsylvania, the one office is in Jupiter; we follow up from Jupiter Coverage.
