Cincinnati Insurance in Florida
Cincinnati Insurance writes workers compensation insurance in Florida, with A+ AM Best rating and a $1,000 minimum premium. Florida carriers operate under NCCI rate filings, with a max weekly benefit of $1,358 and a statute of limitations of 2 years. Verified 2026-05-09.
Cincinnati Insurance in Florida
Independent-agent distribution only. Strong financial stability. The carrier's industry focus is mid-market commercial, and the AM Best rating is A+ with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Florida workers comp rules that apply to every carrier
Florida workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,358 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 2 years from the date of injury. Coverage threshold: Employers with 4 or more employees (full-time or part-time) must carry coverage. Construction industry employers with 1 or more employees must carry coverage. Agricultural employers with 5 or more regular employees and/or 12 or more seasonal employees who work for more than 30 days must carry coverage. On 1099 contractors: Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees.
How to get a Cincinnati Insurance quote in Florida
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. Cincinnati Insurance can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does Cincinnati Insurance write workers comp in Florida?
Yes. Cincinnati Insurance writes workers compensation in all 50, including Florida. AM Best rates the carrier A+ (Stable outlook), and the minimum premium is $1,000. Quotes go through agents or direct underwriting.
What kind of Florida businesses does Cincinnati Insurance target?
Cincinnati Insurance focuses on mid-market commercial. Independent-agent distribution only. Strong financial stability.
What is the max weekly workers comp benefit in Florida on a Cincinnati Insurance policy?
Statutory benefits are set by state law, not by the carrier. Florida caps weekly indemnity at $1,358 (effective 2026-01-01), calculated as 66.67% of the average weekly wage. Cincinnati Insurance pays the same statutory benefit as any other Florida carrier.
How does Cincinnati Insurance handle 1099 contractors in Florida?
Individuals classified as independent contractors (1099) are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria, otherwise they may be reclassified as employees. Cincinnati Insurance audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
When does Cincinnati Insurance audit my payroll in Florida?
Florida carriers including Cincinnati Insurance audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.