Workers’ Comp & Umbrella Insurance in Orange & Lake County, FL
Protect your team and elevate your liability limits across General Liability, Commercial Auto, and Employers’ Liability—backed by fast COIs and local guidance.
Your Local Partner for Statutory WC & Umbrella Limits
Serving Winter Garden, Windermere, Clermont, Minneola, Dr. Phillips, Ocoee, Oakland, and Greater Orlando.
At Premier Group Insurance of Central Florida, we help employers set up Florida Workers’ Compensation correctly—from class codes and estimated payroll to audits and loss control—while pairing a smart Commercial Umbrella to increase protection over your General Liability, Auto Liability, and Employers’ Liability. We coordinate certificates for job sites and landlords, review contract insurance requirements, and keep renewals simple so you can focus on running the business.
Workers’ Compensation (Florida)
Medical care and lost wages for on‑the‑job injuries, plus Employers’ Liability for related suits not covered by Part A.
What’s Covered
- Statutory benefits (Part A): Medical care, lost wages, and rehab per Florida law.
- Employers’ Liability (Part B): Protection against certain injury‑related suits (e.g., third‑party over actions). Does not replace Part A.
- Fast COIs: Jobsite, GC, and landlord wording issued quickly.
Setup Done Right
- Class codes & payroll: We help estimate payroll by class (examples: 8810 clerical, 8742 outside sales, 5606 construction supervisors).
- Audit support: Prepare for year‑end audits to avoid surprise bills.
- Claims guidance: Reporting, light duty, and return‑to‑work suggestions.
Ways to Save
- Experience Mod: Improve safety and claims handling to lower your EMR over time.
- Drug‑free & safety credits: Carrier and state‑filed credits where eligible.
- Pay‑as‑you‑go: Align premiums to actual payroll to smooth cash flow.
Commercial Umbrella (Excess Liability)
Extra limits that sit over GL, Auto, and Employers’ Liability. Note: Umbrella does not increase statutory WC (Part A) benefits.
How It Works
- Follow‑form excess: Extends limits above scheduled underlying policies.
- Designed to scale: Common limits from $1M–$5M+; higher options available.
- Contract compliance: Meet GC, landlord, and vendor minimums without overhauling each policy.
Good Fit Examples
- Restaurants with delivery or catering fleets (Auto + GL exposures).
- Contractors with jobsite COI requirements and higher risk operations.
- Professional offices with visitors, events, or landlord‑required limits.
What It Can Sit Over
- General Liability
- Commercial Auto (incl. HNOA)
- Employers’ Liability (WC Part B)
Not over statutory WC Part A. Terms vary by carrier; we’ll review schedule and exclusions.
Subcontractors, 1099s & Compliance
Avoid audit surprises and protect your business when working with subs across Orange & Lake County.
Smart Pairings by Industry
Bundle core policies and umbrella limits to match real‑world risks and contract requirements.
Restaurants & Cafés
- Workers’ Comp + GL + HNOA
- Umbrella for delivery and events
- Optional: BOP/Property, spoilage
Contractors & Trades
- Workers’ Comp + GL + Inland Marine
- Umbrella to meet GC limits
- Sub compliance & COIs
Related Coverages
Round out protection and keep certificates moving quickly.
General Liability
Foundational protection for premises & operations, products/completed ops, and contractual requirements.
Commercial Auto & HNOA
Company vehicles plus hired/non‑owned exposures for deliveries, errands, and jobsite travel.
Serving Orange & Lake County
Fast certificates, helpful contract reviews, and friendly service across Central Florida.
Why Choose Premier Group Insurance?
Local, independent, and responsive—great for owners, office managers, and GCs who need things done right.
Local Expertise
We understand Central Florida jobsite requirements, landlord wording, and fast COI expectations.
Multiple A‑Rated Carriers
We shop options to fit your risk tolerance, contracts, and budget—without one‑size‑fits‑all policies.
Easy Service
One contact for quotes, audits, renewals, and claims guidance—so you can get back to work.
Need Workers’ Comp or an Umbrella Quote?
Let’s tailor the right setup—and keep certificates and audits painless.
Coverage subject to carrier underwriting and policy terms. This page is for general informational purposes only.