Old Republic in Florida
Old Republic writes workers compensation insurance in Florida, with A AM Best rating and a $1,500 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.
Old Republic in Florida
Diversified specialty carrier. Several WC subsidiaries. The carrier's industry focus is specialty markets and large commercial, and the AM Best rating is A with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team.
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 Old Republic 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. Old Republic can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does Old Republic write workers comp in Florida?
Yes. Old Republic writes workers compensation in all 50, including Florida. AM Best rates the carrier A (Stable outlook), and the minimum premium is $1,500. Quotes go through agents or direct underwriting.
What kind of Florida businesses does Old Republic target?
Old Republic focuses on specialty markets and large commercial. Diversified specialty carrier. Several WC subsidiaries.
What is the max weekly workers comp benefit in Florida on a Old Republic 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. Old Republic pays the same statutory benefit as any other Florida carrier.
How does Old Republic 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. Old Republic 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 Old Republic audit my payroll in Florida?
Florida carriers including Old Republic audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.