Does Florida require workers comp for restaurants?

Florida Statute 440.02 requires workers compensation for non-construction businesses with four or more employees, including the owner. Construction requires coverage at one employee. Agricultural businesses at six regular or twelve seasonal employees. Restaurants fall under the four-employee rule.

What are the most common restaurant workers comp claims?

According to AmTrust Financial analysis of 130,000 claims, cuts and lacerations account for 25% of restaurant claims, slips and falls for 18%, and burns for 12%. However, back injuries are the most expensive at $60,000 to $85,000 per claim. The average restaurant experiences 3 to 4 injuries per year costing approximately $45,600 total.

What happens if a restaurant has fewer than four employees and no workers comp?

If you have fewer than four employees, Florida does not legally require workers comp. But you are still personally liable for workplace injuries. Without workers comp, you pay medical bills and lost wages out of pocket. The injured employee also retains the right to sue you directly. Workers comp is a trade: guaranteed benefits for the employee, lawsuit protection for you.

Do Florida restaurants need liquor liability insurance even if they only serve beer and wine?

Yes. General liability policies exclude alcohol-related claims. Even if Florida law protects you from most dram shop lawsuits, you still need coverage to pay for legal defense costs which can exceed $50,000 per claim. Landlords, franchisors, and SBA lenders often require liquor liability as a condition of your lease or loan.

How much does liquor liability insurance cost for a Florida restaurant?

A restaurant serving only beer and wine that closes early typically pays $300 to $1,500 per year. A full-bar restaurant open until midnight pays $2,500 to $4,000. Late-night establishments with high alcohol sales may pay $5,000 to $10,000 or more. Cost depends on alcohol sales percentage, hours of operation, seating capacity, and claims history.

Does a commercial umbrella policy cover liquor liability?

Not always. Many commercial umbrella carriers exclude liquor liability. This creates a coverage gap because a single alcohol-related lawsuit can exceed primary liquor liability limits. Some carriers may offer the ability to include liquor liability on the umbrella subject to underwriting approval. Ask your agent specifically whether your umbrella includes or excludes liquor liability.

Does Nationwide write homeowners insurance in Florida?

Yes, as of 2026. After pulling back from Florida home insurance for nearly two decades, Nationwide is writing new Florida homeowners policies again on Nationwide paper, through a pilot program with a select few independent agencies in the state. Augustyniak Insurance Group is one of those agencies. Eligibility depends primarily on the age of the home, the county, and the distance to the coast. Pricing and final terms then depend on the age of the roof, claims history, and occupancy of the home, since Nationwide writes primary residences.

What makes Nationwide a strong Florida home insurance option?

Nationwide brings several features to the Florida home insurance market that have been rare during the years national companies were largely absent. These include an A (Excellent) Financial Strength Rating from AM Best for Nationwide Property and Casualty Group affirmed in November 2025, claims handled by Nationwide's own adjusters rather than third-party firms, extended replacement cost coverage as an option, Brand New Belongings replacement cost for personal property, ordinance or law coverage built into the standard policy, and a free Ting fire prevention sensor program for eligible policyholders.

Is this a real Nationwide home insurance policy or written through a partner company?

It is a real Nationwide home insurance policy, written on Nationwide paper. The policy is issued by Nationwide directly, not through a partner company or subsidiary. Augustyniak Insurance Group is appointed under Nationwide's Florida pilot program as one of a select few independent agencies in the state writing these policies.

Why did Nationwide stop writing home insurance in Florida?

After the 2004 and 2005 hurricane seasons, Nationwide and most other large national insurance companies pulled back from writing new homeowners policies in Florida due to hurricane exposure. State Farm, Allstate, Travelers, and Hartford did the same thing for the same reason. Florida-only insurance companies grew to fill the gap during that period.

Can I bundle Nationwide home and auto insurance in Florida?

Yes. If your home qualifies for the Nationwide Florida home product and you have or want Nationwide auto, bundling is possible. The bundle discount can save up to 20% on the home insurance premium when Nationwide auto and home are carried together. Nationwide auto rates in Florida are also competitive on their own, not just as a bundle anchor. For years bundling was not available because Nationwide was not writing new home insurance in Florida. As of 2026, eligible homes can be quoted alongside Nationwide auto for a bundle. If your home does not qualify, the auto policy stays in place and the home is written with another insurance company.

Is Nationwide cheaper than other Florida home insurance companies?

For newer Florida homes, Nationwide is often pricing competitively, and when paired with the company's A Excellent AM Best rating and in-house claims handling, that can make Nationwide a strong overall value even when it is not the absolute lowest premium. For older Florida homes, pricing varies more and a Florida-only home insurance company sometimes writes the same home for less. The only way to know where Nationwide lands for a specific home is to compare quotes side by side. Augustyniak Insurance Group quotes Nationwide alongside more than 80 other insurance companies.

Insurance News

How Much Is Workers' Comp for Plumbers in Florida?

Susan Augustyniak — Mon, 22 Jun 2026 08:00:00 GMT

How Much Will Your Plumbing Business Pay for Workers' Comp in Florida?

Short answer: The 2026 Florida rate for plumbing contractors is $2.74 per $100 of payroll (NCCI Code 5183). Two plumbers with $84,000 total payroll costs about $205 a month. A mid-size crew with $150,000 in payroll costs about $356 a month.

If you run a plumbing business in Florida, your techs are crawling under houses, cutting into walls, and working in tight spaces with heavy tools. Workers' comp is required the moment you have one employee in construction.

Plumbing has the lowest workers' comp rate of any major construction trade in Florida. If you are running service calls in Orange Park, repiping an older home in Arlington, or roughing in a new build in St. Johns County, here is what your crew will actually cost.

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What You Will Pay

What Does Workers' Comp Cost for a Small Plumbing Crew?

You have 2 plumbers, each earning $42,000 a year. You are the owner and you filed for an exemption, so your pay is not included.

Payroll: $84,000
Annual cost: $2,462
Monthly: about $205

Slip-and-fall injuries, back strains from lifting fixtures, and cuts from tools are the most common plumbing claims. A single lost-time claim averages $47,316 nationally. That $205 a month keeps one bad day from becoming a business-ending event.

What If You Have a Bigger Crew with Office Staff?

You have 3 plumbing technicians earning $42,000 each and one office person earning $36,000. Your field crew and your office person are rated differently.

3 plumbing techs: $126,000 payroll at the plumbing rate ($2.74) = $3,452
Office admin: $36,000 payroll at the clerical rate ($0.105) = $38 Code 8810 rate]
Expense constant: $160 (flat charge on every Florida policy)
Total: $3,650 per year

This saved $949. If that office person's payroll was lumped in with your plumbing techs at the higher rate, the total would be $4,599 instead of $3,706. But here is the catch: for the clerical rate to apply, that office person must work in a physically separate area from your field operations and perform exclusively clerical duties. If they ever go to a job site, help load a truck, or pick up supplies, the auditor reclassifies them at the trade rate.

How Much Will You Pay at Different Payroll Levels?

Florida Plumbers Workers Comp Cost (2026)

NCCI Code 5183 · $2.74 per $100 of payroll · Includes $160 expense constant

2 PLUMBERS

$128/mo

$50K payroll · $1,530/yr

MID-SIZE CREW

$356/mo

$150K payroll · $4,270/yr

LARGE OPERATION

$1,155/mo

$500K payroll · $13,860/yr

Annual Payroll	Annual Cost	Monthly
$50,000	$1,530	$128
$75,000	$2,215	$185
$100,000	$2,900	$242
$150,000	$4,270	$356
$250,000	$7,010	$584
$500,000	$13,860	$1,155

2026 NCCI Florida rate for Code 5183: $2.74 per $100 of payroll. All totals include the $160 expense constant. Assumes 1.0 experience mod. Your actual premium may vary by carrier.

Want to Know Exactly What Your Plumbing Crew Will Cost?

Tell us your payroll and headcount. We will get you real numbers from multiple carriers.

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How Plumbing Compares

Is the Plumbing Rate Higher or Lower Than Other Trades?

Here is something most plumbers do not realize: you have the lowest workers' comp rate of any major construction trade in Florida. Every single trade on this list pays more per $100 of payroll than you do.

Trade	Code	Rate / $100	$150K Payroll Annual Cost
Plumbing	5183	$2.74	$4,270
Electrical Wiring	5190	$2.97	$4,615
HVAC	5537	$3.0	$4,660
Landscaping	0042	$4.14	$6,370
Painting	5474	$4.48	$6,880
Masonry	5022	$5.22	$7,990
Carpentry / Framing	5645	$7.69	$11,695

All figures include the $160 expense constant and assume 1.0 experience mod. For the full rate table with 25+ trades, see our Florida workers' comp insurance guide.

What Moves Your Price

Why Would Your Premium Be Higher or Lower Than These Numbers?

The $2.74 rate is your starting point. Here is what moves it:

Which carrier you use.
Every carrier starts from the same base rate but applies their own credits and debits. Two carriers quoting the same payroll can produce different premiums. This is the main reason to compare through an independent agent.
Your claims history.
NCCI assigns an experience mod based on your loss record. A clean record pushes it below 1.0 (discount). Multiple claims push it above 1.0 (surcharge). Most small plumbing companies start at 1.0.
Your subcontractors.
If you hire sub plumbing techs who do not carry their own coverage, their payroll gets added to your policy at audit. Always verify sub coverage before they start work.
Endorsements.
General contractors often require a waiver of subrogation or additional insured. Some carriers include these free. Others charge for them.
How you pay.
Pay-as-you-go pulls premium each time you run payroll. No big down payment, smaller audit adjustments. Good fit for plumbers that take on seasonal new-construction work and scale up temporarily.

Exemptions

Can Plumbing Contractors Exempt Themselves from Workers' Comp?

Yes. If you own at least 10% of a corporation or LLC, you can file for an exemption. It costs $50 and lasts two years.

But understand what it means: the exemption covers you the person, not your business.

If you have even one employee, you still need a policy for them. And if you bring a helper or day worker onto a job site, they need to be covered too.

For the full rules, see our Florida contractors guide to workers' compensation.

Set a reminder. Exemptions expire every two years. If yours lapses, the auditor adds your wages back into the payroll calculation and you owe the premium. Put the renewal date in your calendar 60 days out.

Get Your Quote

How Do Plumbers Get a Workers' Comp Quote in Jacksonville?

Augustyniak Insurance Group is an independent agency in Jacksonville. We compare workers' comp from Hartford, Travelers, Nationwide, AmTrust, Auto-Owners, and others.

We are not tied to one carrier, which means we find the best rate for your specific crew.

Tell us your payroll, your headcount, and what your people do. If you have an existing policy, send it over. We will check your class codes and tell you if you are overpaying.

We write workers' comp for plumbers across Florida and Georgia. Most of our clients are in Jacksonville, Orange Park, St. Augustine, and Ponte Vedra, but we write statewide.

Your Rate Is Already One of the Lowest. Let Us Make It Even Better.

Plumbers start with an advantage. Let us compare carriers and find you the best deal on top of an already low rate.

Get My Workers' Comp Quote Call (904) 268-3106 No obligation. Most quotes same day or next business day.

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Susan leads the Augustyniak Insurance team in Jacksonville, helping Florida contractors find the right workers' compensation coverage at the right price. Published April 2026.

NCCI Class Code Reference

What Does NCCI Class Code 5183 Cover?

This is the official NCCI classification for plumbing contractors in Florida.

Code 5183 includes:

Installation, service, and repair of plumbing systems in residential, commercial, and industrial buildings
Connection of fixtures and appliances (sinks, toilets, water heaters, dishwashers)
Pipe fitting, soldering, and drain work
Driving to and from job sites

Code 5183 does not include:

Sewer and water main construction (separate code)
Fire sprinkler installation (separate code)
HVAC work (Code 5537)
Electrical work (Code 5190)

If your plumbers also do gas line work, fire sprinkler installation, or HVAC piping, those duties may fall under different codes. Proper classification saves money.

FAQ

Plumbers Workers' Comp FAQ

How much does workers' comp cost for plumbers in Florida?

The 2026 rate is $2.74 per $100 of payroll (Code 5183). A 2-person crew at $84,000 payroll pays about $2,462 a year. A mid-size operation at $150,000 payroll pays about $4,270. Every policy includes a $160 expense constant.

What class code do Florida plumbing companies use?

NCCI Code 5183. It covers plumbers who install, service, and repair plumbing systems, including connection of fixtures and appliances, pipe fitting, soldering, and drain work.

Can a plumbing business owner get a workers' comp exemption?

Yes. If you own at least 10% of a corporation or LLC, you can file for an exemption. It costs $50 and must be renewed every two years. The exemption covers you the person, not the business. If you have any employees, you still need a policy for them.

What if my plumbing business has office staff?

Your office person may qualify for the clerical rate (Code 8810 at $0.105 per $100) instead of the plumbing rate.

But they must work in a physically separate area and perform exclusively clerical duties. If they ever go to a job site or share duties with the field crew, the auditor reclassifies them at the trade rate.

Do outside salespeople at a plumbing business get a different rate?

Potentially. An outside salesperson who exclusively sells and never goes on job sites may qualify for the outside sales code (8742) at a lower rate.

But if they ever help on a job, ride along to an estimate that involves any labor, or pick up parts, they get reclassified at the plumbing rate. The separation must be complete.

Sources: 2026 NCCI Florida Workers' Compensation Manual Rates, effective January 1, 2026 (Code 5183: $2.74 per $100). Florida Office of Insurance Regulation Final Order, November 17, 2025. $160 expense constant per NCCI Florida rate structure. Exemption rules per §440.05 Florida Statutes. Construction coverage requirement per §440.02 Florida Statutes.

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How to Choose the Best Insurance Agency in Jacksonville, FL (2026 Guide)

Susan Augustyniak — Tue, 16 Jun 2026 01:00:00 GMT

Quick Answer: The best insurance agency in Jacksonville is an independent agency with access to multiple companies, strong Google reviews, and Florida-specific expertise. In our experience, the same Jacksonville policy can be quoted from $500 to $1,500 or more by different companies. Most people never see that difference because their agent is limited to one company or only checks a small portion of the market. A good agency reviews multiple options behind the scenes and recommends the one that fits your situation best, not just the one they happen to have

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We are Augustyniak Insurance Group, an independent agency in Jacksonville. We wrote this guide to help you understand what separates a great agency from an average one. Ready to compare now? Call (904) 268-3106. Want to understand first? Keep reading.

Most homeowners don’t start looking for a new agent until something feels off.
This guide is for you if: You are buying a home in Jacksonville and choosing an agent for the first time. Your renewal just went up, and you are wondering if your agent is doing their job. You have been with the same company for years and have never heard from your agent.

How to Find the Best Insurance Agency in Jacksonville, FL

Jacksonville homeowners pay an average of $3,454 per year for homeowners insurance. That is roughly triple the national average.

The number varies wildly depending on your home's age, your roof, and the company your agent picks. In a market this expensive, choosing the right agency is not a minor decision.

The wrong agent can cost you thousands. The right one can save you just as much. This guide covers what to look for, what to avoid, and how the three types of agents compare.

Types of Agents

Which Type of Insurance Agent Is Right for You?

An independent agent works with multiple companies and shops the market for you. A captive agent (like State Farm or Allstate) sells one company's products only. An online direct company (like Lemonade or GEICO) lets you buy without talking to anyone.

The differences matter more in Florida than in most states. Here is what each one can and cannot do for you.

Independent agent

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Companies to Choose From

✓ Shops dozens of companies for you

✓ Reviews your policy every year

✓ Fights for you when you file a claim

✓ Handles flood separately

✓ Can mix companies for best price

✓ Knows Florida's rules inside and out

Captive agent

Company

✗ Sells one company only

✗ Cannot move you if rates jump

~ Represents the company, not you

~ Flood coverage varies

✗ Everything must be same company

~ National training, not FL-focused

Online direct

Company

✗ One company only

✗ Nobody checks on your renewal

✗ You handle claims yourself

✗ Flood options are limited

✗ Limited options for bundling

✗ Little to no Florida expertise

No extra cost to use an independent agent. You pay the same premium either way.

The insurance company pays the agent. You just get more options.

Already know what you need? If you want to compare your rate across 80+ companies right now, (904) 268-3106 or get a quote online. Otherwise keep reading.

For a closer look at how independent and captive agents compare for homeowners specifically: Independent Insurance Agent vs. State Farm: Which Is Better for Jacksonville Homeowners?

What to Look For

6 Things That Separate a Great Jacksonville Insurance Agency from an Average One

1. Company count matters more than you think

In Jacksonville, the same 2,000-square-foot home can be quoted at $2,800 by one company and $4,300 by another. Same coverage, same deductible, different company.

An agency with access to 20 or more companies can find those gaps. An agency with one company cannot. Read: What a Good Insurance Agent Knows That a Bad One Doesn't

2. Florida-specific knowledge is non-negotiable

Florida's insurance market is unlike any other state. Your agent should be able to explain these five things in plain English:

Hurricane deductibles
Percentage-based, not flat dollar. On a $400,000 home, 2% means $8,000 out of pocket.
Replacement cost vs. actual cash value on your roof
The difference can mean $10,000 or more in a claim.
Roof age rules
Many companies will not insure a roof older than 15 years.
4-point inspections
Required for most homes 20 years or older in Florida.
Citizens Property Insurance
The state insurer of last resort. If your agent's first move is Citizens, ask why.

If your agent cannot explain those five things, you are working with the wrong agent for Florida.

3. Google reviews tell a real story

Reviews are not vanity numbers. A Jacksonville agency with thousands of verified Google reviews gives you real feedback from real policyholders about quotes, renewals, and claims.

Look for volume, recency, and detail. An agency with 50 reviews from 2019 is not the same as one with 2,000+ reviews updated this month. Read: What 2,250+ Google Reviews Actually Tell You.

4. Claims support, not just sales

Buying a policy is the easy part. The real test is what happens when you file a claim.

A good agency walks you through the process, communicates with the adjuster on your behalf, and follows up until it is resolved.

Ask any agency you are considering: "What happens when I have a claim?" If the answer is "call the 800 number on your card," keep looking.

5. Years in the local market

Jacksonville's insurance landscape changes constantly. Companies enter and leave the Florida market regularly.

An agency that has operated here for 10 or 20+ years has seen these cycles. They know which companies are stable, which ones cut corners, and which ones pay claims without a fight.

6. They proactively reach out before your renewal

Florida premiums shift every year. A company that was cheapest for your home last year might not be cheapest this year.

The best agencies proactively contact you before your renewal date. They review your current coverage and pricing, then determine the best course of action.

Sometimes that means comparing other companies. Sometimes it means adjusting coverage or deductibles. Sometimes your current policy is still the best option. The point is that a good agency initiates the conversation.

Important distinction: A renewal review is not a sales appointment. It is a service check-in. Your agent is looking at what changed in the market, whether your current coverage still fits, and whether any adjustments would benefit you. The outcome might be "everything looks good, no changes needed." That is a perfectly valid result. The value is that someone qualified actually looked.

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Red Flags

Red Flags When Choosing an Insurance Agency in Jacksonville

Not every agency is a good fit. Watch for these warning signs:

They only quote one company.
If your agent can only offer one option, you are not getting a competitive rate. Period.
They cannot explain your hurricane deductible.
On a $400,000 home, a 2% hurricane deductible means $8,000 out of pocket before insurance pays. If your agent has not explained this, that is a problem.
They disappear after the sale.
If you cannot reach your agent when you need to file a claim, the lowest premium in the world is not worth it.
They do not understand flood insurance.
Standard homeowners does not cover flooding. In Duval County, with the St. Johns River and coastal exposure, flood insurance is not optional for most homeowners.
They push the cheapest option without explaining trade-offs.
The cheapest policy often has actual cash value on the roof, higher deductibles, or exclusions that leave you exposed.

Jacksonville Factors

Why Jacksonville Is Different: Insurance Factors Specific to Northeast Florida

Hurricane and wind exposure

Duval County sits on the Atlantic coast. Every home in the county has wind exposure, and hurricane season runs June through November.

Your policy needs to account for this. Your agent needs to understand wind mitigation credits that can reduce your premium.

Flood zones are everywhere

You do not have to live on the beach to need flood insurance. Areas near the St. Johns River, Trout River, and Intracoastal Waterway have flood exposure.

Even seemingly inland neighborhoods in Mandarin and Orange Park flood. FEMA maps do not always reflect actual risk. Private flood companies now offer options that can be cheaper than NFIP.

Roof age rules can make or break your eligibility

Many Florida companies will not write a new policy on a home with a roof older than 15 years. Some draw the line at 10.

If your roof is approaching that threshold, your agent needs to know which companies will still write you. Read: What a Good Insurance Agent Knows That a Bad One Doesn't.

4-point inspections are required

If your home is 20+ years old, most Florida companies require a 4-point inspection covering the roof, electrical, plumbing, and HVAC.

Outdated systems like Federal Pacific panels or polybutylene plumbing can get you declined. Your agent should flag this before you apply, not after.

Citizens Property Insurance is not a deal

Citizens is Florida's state-backed insurer of last resort. It exists for homeowners who cannot find private market coverage.

If your agent's first move is Citizens, ask why. An independent agent with multiple companies can often find private options that cost less and cover more.

Jacksonville-specific tip: If you are buying or refinancing a home in Duval County, get your insurance quotes before your closing date. Florida's market can take 2 to 3 weeks for complex quotes, especially if your home needs a 4-point inspection or wind mitigation report.

Choosing the Right Agency

A Simple Checklist for Choosing a Jacksonville Insurance Agency

Before you commit to an agency, walk through these six questions. If they cannot answer all of them well, keep looking.

Before You Commit

6 questions to ask any agency

How many companies can you quote me with?

More companies means more options and a better chance of finding the lowest price. Look for 10 to 15 at a minimum.

How many Google reviews do you have?

Hundreds of recent reviews mean real clients are consistently happy. A handful of old reviews tells you less.

How long have you been in Jacksonville?

Florida's insurance market changes constantly. An agency with 10 to 20+ years here has seen the ups and downs before.

Will you check my policy before it renews each year?

A good agency calls you before your renewal, reviews what changed, and tells you if there is a better option.

Can you handle all my insurance in one place?

Home, auto, flood, umbrella, life. One agency managing everything is simpler and can save you money. See: Does bundling actually save money?

What happens when I need to file a claim?

If the answer is "call the 800 number on your card," keep looking. A good agency walks you through it and follows up until it is resolved.

Looking for the Right Insurance Agency in Jacksonville?

We compare 80+ companies for home, auto, flood, business, and life insurance. One call gets you started.

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Fill out the form below and our team will run your home through multiple companies. Many quotes come back the same day or next business day.

Switching Agencies

How to Switch Insurance Agencies in Jacksonville

Switching agencies in Florida is simpler than most people think. You do not have to wait for your renewal date. You can move your policies at any time.

You do not always have to switch companies to switch agents

Many homeowners do not realize this: you can keep your existing policy with the same insurance company and simply change which agency services it. This is called an agent of record (AOR) change.

An AOR letter transfers your policy from one agency to another. Your coverage stays the same. Your premium stays the same. Your policy number does not change. Only who picks up the phone when you call changes.

This works well when you like your company but want better service, faster response times, or proactive renewal reviews from your agency.

AOR vs. rewriting the policy: If your current company is still competitive and you just want better service, an AOR change is the cleanest option. If your carrier's price is no longer competitive, your new agent may recommend rewriting the policy with a different company. A good agent evaluates both and recommends the one that benefits you.

What to bring to your first conversation with a new agent

Have your current declarations page ready. It shows your coverage limits, deductibles, premium, and carrier. A new agent can use this to evaluate your situation without starting from scratch.

If you have a wind mitigation report and 4-point inspection, bring those too. They can unlock significant discounts.

For the full walkthrough: 5 Questions to Ask Before Switching Insurance Agencies in Florida.

FAQ

Frequently Asked Questions

What is the best insurance agency in Jacksonville, FL?

The best agency depends on your needs. But the strongest agencies in Jacksonville share common traits: access to multiple companies, thousands of verified Google reviews, 10 to 20+ years in the local market, and proactive renewal reviews.

Look for an independent agency rather than a captive agent. In Florida's market, the ability to compare companies is the most important advantage.

What is the difference between an independent and captive insurance agent?

A captive agent works for one insurance company and can only sell that company's products.

An independent agent works with multiple companies and can compare options from 10 to 80+ companies. In Jacksonville's market, that flexibility is a significant advantage.

How do I know if my insurance agent is giving me a good rate?

Ask how many companies they quoted. If the answer is one, you have no way of knowing whether it is competitive.

An independent agent should quote you with at least 5 to 10 companies. You can request a copy of each quote to compare side by side.

Does it cost more to use an independent insurance agent?

No. Independent agents are paid by the insurance company, not by you. You pay the same premium whether you buy direct or through an agent.

How often should my insurance agent review my coverage?

At least once a year, at renewal. A proactive agent contacts you 30 to 60 days before renewal to review your options and recommend the best course of action.

That might mean comparing companies, adjusting coverage, or confirming your current policy is still the right fit. If you have not heard from your agent before renewal, that is a red flag.

Can I switch insurance agencies in the middle of my policy term?

Yes. You can switch at any time. If you want to keep your current company, you can do an agent of record change. If you want to switch companies, your new agent can rewrite the policy.

What is an agent of record letter?

An agent of record (AOR) letter transfers your existing policy from one agency to another without changing your carrier, coverage, or premium.

It is useful when you want better service but are happy with your current company. There is no lapse in coverage and no re-underwriting.

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Before joining Augustyniak Insurance Group in 2008, Susan spent nine years at Nationwide Insurance as a commercial underwriter, large loss property claims adjuster, and sales manager. She holds a Florida 2-20 General Lines Agent license and helps Jacksonville homeowners and business owners make coverage decisions across Florida including Duval, St. Johns, Clay, and Nassau counties. Published June 2026.

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Bundling Home and Auto Insurance in Jacksonville: Does It Actually Save Money?

Susan Augustyniak — Tue, 09 Jun 2026 08:00:00 GMT

Quick Answer: Bundling home and auto with the same company typically saves 5% to 15%. But that is only one of three ways to save. Some companies offer better rates when your agency handles both policies, even with different companies. And sometimes splitting to the cheapest home and cheapest auto company saves more than any bundle. A good agent runs all three scenarios.

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We are Augustyniak Insurance Group, an independent agency in Jacksonville. We compare bundled and unbundled options across Jacksonville homeowners insurance> and auto insurance in Jacksonville, FL to show you which approach actually costs less for your situation.

If you want us to run the numbers for you, call (904) 268-3106. If you want to understand how bundling actually works first, keep reading.

Three Ways to Save

Bundling Home and Auto Insurance Can Work Three Ways

Most people think bundling means putting home and auto insurance with the same company. That is one option. But it is not the only one.

How Bundling Really Works

Three ways to save on home and auto

Same-company bundle

Home and auto with one company. Formal multi-policy discount of 5% to 15%. Available through Nationwide, AAA, Progressive, Auto-Owners, and others.

Strategic split in Same Agency

We compare every home company against every auto company and find the combination with the lowest total cost — even if that means home with Company A and auto with Company B. Often beats the same-company bundle because the cheapest home carrier and the cheapest auto carrier are rarely the same. Sometimes this costs less than any bundle discount.

Whole-account strategy

Some carriers (Nationwide, Auto-Owners, AAA) reward customers who carry multiple lines with claim-free bonuses, diminishing deductibles, or priority renewal underwriting that don't show up as a "discount" on the quote but save real money over 3–5 years

A captive agent can only show you option 1 with their one company. An independent agent can run all three and tell you which one actually costs less. There is no extra cost for this anaylsis.

Option 1

Same-Company Bundle: Home and Auto Under One Roof

When you place your home (or condo or renters) and auto insurance with the same company, most companies apply a multi-policy discount. The discount typically ranges from 5% to 15% depending on the company.

Many companies, including Nationwide, AAA, Progressive, and Auto-Owners, offer bundled packages that include home, condo, or renters insurance with auto depending on eligibility and location. Some also include umbrella coverage in the bundle for additional savings.

On a combined annual cost of $5,500 (home + auto), a 10% bundle discount saves roughly $550 per year. That is real money, and it is the easiest scenario to understand.

When a same-company bundle works best

The same company is competitive on both lines.
You get the discount on top of already good pricing.
You value simplicity.
One company, one agent, one payment. Simpler claims if a storm damages your car and your roof at the same time.
The company offers extra bundling benefits.
Some companies offer a diminishing deductible or claim-free bonus that applies across both policies.

Option 2

Agency-Level Bundle: Different Companies, Same Agency, Total Lower Cost

In Florida's market, the cheapest home company and the cheapest auto company are often two different companies. Home rates depend on roof age, flood zone, and rebuild cost. Auto rates depend on driving history, commute, and vehicle type. The best company for one is frequently not the best for the other.

When an independent agency compares every home carrier against every auto carrier, we can pair the lowest-cost option for each side. The result sometimes beats a same-company bundle, even after the bundle discount.

Suppose Company A is the cheapest for your home at $2,800 per year but charges $2,200 for your auto. Company B charges $3,200 for your home but only $1,600 for auto. Company C bundles both for $5,400 with a 10% discount, totaling $4,860.

If you split (Company A for home, Company B for auto), you pay $2,800 + $1,600 = $4,400. That is $460 less than the "discounted" bundle.

This scenario is more common than most people expect in Jacksonville. The only way to know is to compare both approaches.

This is one of the biggest advantages of an independent agency. Your agent can place each policy with the company that is strongest for that coverage type, and you still benefit from the multi-policy relationship. Call us at (904) 268-3106 and we can show you how this works.

Option 3

Long-Term Relationship Benefits: Savings That Compound Over Time

The first two options compare prices at the moment you shop. The third looks at total cost over three to five years.

Some carriers reward multi-policy customers with benefits that do not show up as a discount on your initial quote but save real money over the life of the relationship:

Claim-free bonuses. Some carriers credit a percentage back or reduce premiums after consecutive claim-free years.
Diminishing deductibles. Your deductible decreases by a set amount each year you do not file a claim, which lowers your out-of-pocket cost when you eventually need to use the policy.
Pricing protection. Some carriers cap or reduce rate increases for long-tenured multi-line customers, which matters in a market where Florida rates can move significantly year over year.
Priority underwriting at renewal. When carriers tighten their underwriting (which happens often in Florida), existing multi-policy customers are usually the last to be non-renewed.

These benefits typically require both home and auto with the same company, which means Option 3 often overlaps with Option 1. The difference is how we evaluate the offer. Year-one price is one factor. Three-to-five-year total cost — including likely rate increases, deductible exposure, and the risk of being non-renewed — is what actually matters for most households.

This is the part of the analysis most people never get unless they work with an agent who has watched carriers behave over multiple renewal cycles.

Want to See Which Option Saves You the Most?

We run all three scenarios: same-company bundle, agency-level bundle, and strategic split. Many comparisons come back the same day.

Call (904) 268-3106 Compare Your Rate Across 80+ Companies Augustyniak Insurance Group · 80+ companies · 2,250+ reviews

Beyond Home and Auto

What About Flood, Umbrella, Condo, and Renters?

Bundling applies to more than just home and auto. Condo insurance and renters insurance also qualify for multi-policy discounts with companies like Nationwide, AAA, Progressive, and Auto-Owners.

Flood insurance in Jacksonville is typically a separate policy from a separate company (either NFIP or a private flood company). It usually does not bundle with your homeowners in the traditional sense, but having it managed by the same agency keeps everything in one place.

Umbrella insurance often requires certain underlying coverages to be with the same company or to meet specific coverage requirements. Your agent should map out the most cost-effective combination across all your coverage types.

The more policies your agency manages, the more efficiently they can review, renew, and adjust your coverage each year. That is one of the reasons choosing the right agency matters as much as choosing the right company.

FAQ

Frequently Asked Questions

How much do you save by bundling home and auto in Florida?

Same-company bundle discounts typically range from 5% to 15%. On a combined premium of $5,500, that is roughly $275 to $825 per year. But if the cheapest home and auto companies are different, splitting can save even more.

Can I get a bundle discount with different insurance companies?

A formal multi-policy discount requires both policies with the same company. However, in some cases, placing both policies through the same independent agency can result in more competitive overall pricing, even with different companies.

Which companies offer home and auto bundles in Florida?

Many companies, including Nationwide, AAA, Progressive, and Auto-Owners, offer bundled options for home (or condo or renters) and auto depending on eligibility. Some also include umbrella coverage. An independent agent can compare all of them for you.

Does bundling affect my coverage?

Not directly. Your coverage depends on your policy limits, deductibles, endorsements, and the company you choose. Bundling itself does not automatically change your coverage, but having both policies with one company can simplify the process when both are affected by the same event.

Should I always bundle home and auto insurance?

Not necessarily. Bundling is one of three ways to save. A good agent runs all three scenarios and tells you which approach actually costs the least for your situation. Sometimes the bundle wins. Sometimes splitting wins. The point is to check.

Get Your Quote

Compare Your Bundled and Unbundled Options

Fill out the form below and our team will run all three scenarios for you. Home, condo, renters, auto, or umbrella. Many comparisons come back the same day.

Prefer to Talk to Someone?

Our team is here Monday through Friday, 8:30 AM to 5:00 PM. We will run your bundled and unbundled numbers and show you which one wins.

Call (904) 268-3106 Augustyniak Insurance Group · 12058 San Jose Blvd, Jacksonville FL

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Read the full article at www.weshopinsurance.com

What a Good Insurance Agent Knows That a Bad One Doesn't

Susan Augustyniak — Tue, 09 Jun 2026 08:00:00 GMT

Quick Answer: Florida has insurance rules that most people never hear about until it costs them money. Your roof age affects whether you can get a policy. Your auto minimum does not include bodily injury coverage. Your standard homeowners policy does not cover flooding. A good agent explains all of this before you buy. A bad agent sells you a policy and hopes you never find out.

2,250+Five-Star Reviews
80+Insurance Companies
20+Years in Florida
4.9★Google Rating

We are Augustyniak Insurance Group, an independent agency in Jacksonville. We work with homeowners, drivers, and business owners across Florida. This article covers the things a good agent should be telling you about your coverage.

What Makes a Good Insurance Agent?

A good insurance agent does not just find you a low price. They understand the rules that affect your coverage in Florida, explain your options in plain language, and tell you what you need to know before it costs you money. If your agent has not explained these, that is worth knowing. If you want to talk to someone who will, call (904) 268-3106.

Here is what that looks like across home, auto, business, and flood insurance.

Your Home

What a Good Agent Knows About Your Homeowners Insurance

Your roof is your insurance application

In Florida, your roof determines whether you can get a policy, how much you pay, and what you collect if you file a claim. Every company has its own roof age rules. Some draw the line at 10 years. Others accept well-maintained older roofs with an inspection.

An agent with access to multiple companies can find options that a single-company agent cannot. That flexibility matters most when your roof is past the 10-year mark.

Replacement cost vs. actual cash value on your roof

Since 2022, Florida law allows companies to offer policies that cover your roof at actual cash value instead of replacement cost. That means if your roof is damaged, the payout is based on the depreciated value, not what it costs to replace.

On a roof that costs $18,000 to replace, the difference between replacement cost and actual cash value can be $8,000 to $10,000 out of your pocket. Your agent should explain this trade-off before you buy the policy, not after you file a claim.

Wind mitigation saves more than almost anything else

A wind mitigation inspection documents your home's resistance to hurricane-force winds. It typically costs $100 to $150 and can reduce your premium significantly, sometimes by 15% to 45% depending on your home's features and the insurance company.

Ask your agent for an inspector referral. Many companies also accept Don Myler inspections statewide.

Not sure how your current policy handles any of this? It is worth checking before your next renewal. Call us at (904) 268-3106 and we will review your coverage for free.

Your Car

What a Good Agent Knows About Your Auto Insurance

Florida's minimum auto coverage is dangerously low

Florida only requires $10,000 in personal injury protection and $10,000 in property damage liability. That is it. No bodily injury coverage is required. Florida is one of only two states in the country with this gap.

Those minimums have not changed since 1979. An average emergency room visit in Jacksonville can cost $3,000 to $5,000. A newer vehicle repair after a collision can run $15,000 to $25,000.

If you cause an accident that exceeds your $10,000 property damage limit, you are personally responsible for the rest.

Without bodily injury coverage, your personal assets are exposed. If you cause an accident that seriously injures someone and you are carrying only the Florida minimum, you can be sued for medical expenses, lost wages, and damages. Your savings, your home, and your future income are all at risk.

A good agent tells you this on day one. They advise limits appropriate for your situation. In our experience, many homeowners choose to start at bodily injury limits of at least 100/300 ($100,000 per person, $300,000 per accident) and increase from there as their assets grow.

A good agent also explains why uninsured motorist coverage matters in a state where a significant number of drivers carry little or no bodily injury coverage.

Stacking can double your uninsured motorist coverage

If you have two or more vehicles on your policy, Florida law gives you the option to "stack" your uninsured motorist coverage. Stacking multiplies your UM limits by the number of vehicles on the policy.

Many agents never mention this option. If yours did not, ask about it at your next renewal. For more on Florida auto coverage options: Jacksonville auto insurance.

Your Business

What a Good Agent Knows About Your Business Insurance

Workers' compensation thresholds are different by industry

In Florida, non-construction businesses need workers' compensation insurance when they reach four or more employees. Construction companies typically need coverage with just one employee, although certain owner exemptions may apply.

A good agent knows your industry classification code, how it affects your premium, and whether your payroll estimate is accurate. Getting the classification wrong can result in a painful audit adjustment at the end of your policy term.

Certificates of insurance need to be fast

If your business signs contracts, leases commercial space, or works on job sites, you will need certificates of insurance. Sometimes you need one the same day.

A good agent manages these proactively and turns them around quickly. A bad agent makes you wait three days every time a general contractor asks for one.

In our experience, the speed of certificate delivery is one of the first things business owners notice when they switch agencies. If you have ever lost a job because your cert did not arrive in time, you know why this matters.

General liability is not the same as professional liability

General liability covers bodily injury and property damage. Professional liability (errors and omissions) covers mistakes in your professional services. Many business owners carry one but not the other.

A good agent explains the difference and makes sure you have what your business actually needs. See: Jacksonville business insurance.

Your Flood Risk

What a Good Agent Knows About Flood Insurance

Your homeowners policy does not cover flooding

This is the single most misunderstood fact in Florida insurance. Standard homeowners policies do not cover flood damage. Not even when the flooding is caused by a hurricane. Flood insurance is a separate policy.

Florida law does not require flood insurance. But the St. Johns River does not care what the law says. If your home is in Duval County, you have flood exposure.

Private flood vs. NFIP is a real choice now

The National Flood Insurance Program used to be the only option. Today, private flood companies compete on price and coverage. In our experience, private flood policies often cost less than NFIP for many Jacksonville homes and can offer higher coverage limits.

A good agent compares both and shows you the options. A bad agent puts you on NFIP without checking whether a private policy would save you money. For more: Jacksonville flood insurance.

You do not have to be in a flood zone to flood

According to FEMA, a meaningful percentage of flood claims come from properties outside high-risk flood zones. Jacksonville's flat terrain, tidal rivers, and summer storms create flood risk across the county, not just along the waterfront.

The Pattern

The Difference Between a Good Agent and a Bad One Is Knowledge

Every example in this article has one thing in common. A good agent tells you what you need to know before it costs you money. A bad agent sells you a policy and moves on.

The best insurance agency is not the one with the lowest price. It is the one that tells you what you need to know before it costs you money.

For the full guide on what separates a great agency from an average one: How to Choose the Best Insurance Agency in Jacksonville, FL.

The Knowledge Test

Did your agent tell you this?

✓

Home: Explains replacement cost vs. ACV on your roof before you buy

✓

Home: Recommends a wind mitigation inspection without being asked

✓

Auto: Tells you Florida's minimum does not include bodily injury

✓

Auto: Explains stacking for uninsured motorist coverage

✓

Business: Knows your classification code and audit process

✓

Flood: Compares NFIP and private flood options side by side

✗

Red flag: Sells you a policy and you never hear from them again

Not Sure If Your Current Agent Covered All of This?

Home, auto, business, or flood. Let us review your coverage and show you what you might be missing. Most reviews take one call.

Call (904) 268-3106 Compare Your Rate Across 80+ Companies Augustyniak Insurance Group · 80+ companies · 2,250+ reviews

FAQ

Frequently Asked Questions

Does Florida require bodily injury auto insurance?

No. Florida is one of only two states that does not require bodily injury liability coverage for most drivers. The state minimum is $10,000 PIP and $10,000 property damage liability only. Most insurance professionals strongly recommend adding bodily injury coverage of at least 100/300.

Does my homeowners insurance cover flood damage?

No. Standard homeowners policies in Florida do not cover flood damage, even when the flooding is caused by a hurricane. Flood insurance is a separate policy available through the National Flood Insurance Program or private flood companies.

How does roof age affect my homeowners insurance in Florida?

Every company has its own roof age guidelines. Some decline homes with roofs older than 10 to 15 years. Others accept older roofs with an inspection.

Since 2022, Florida law also allows companies to cover roofs at actual cash value instead of replacement cost, which can reduce your claim payout significantly.

What is a wind mitigation inspection?

A wind mitigation inspection documents your home's resistance to hurricane-force winds. It evaluates your roof shape, attachment method, deck connection, and opening protection. The inspection costs $100 to $150 and can reduce your premium significantly depending on your home's features.

When is workers' compensation required in Florida?

Non-construction businesses need workers' compensation when they reach four or more employees. Construction companies typically need workers' compensation coverage with just one employee, although certain owner exemptions may apply. These thresholds are defined in Florida Statute § 440.02.

Get Your Quote

Compare Your Insurance Options Now

Fill out the form below and our team will review your coverage across 80+ companies. Home, auto, business, or flood. Most quotes come back the same day.

Prefer to Talk to Someone?

Our team is here Monday through Friday, 8:30 AM to 5:00 PM. Real people who understand Florida insurance.

Call (904) 268-3106 Augustyniak Insurance Group · 12058 San Jose Blvd, Jacksonville FL

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Read the full article at www.weshopinsurance.com

How Much Is Workers Comp for Florida Restaurants?

Susan Augustyniak — Sun, 31 May 2026 04:00:00 GMT

Published: May 2026

Workers' Comp for Florida Restaurants: What Every Owner Needs to Know

Key Takeaway: Florida law requires workers' compensation for restaurants with four or more employees (Florida Statute § 440.02). But even below that threshold, you are personally liable for workplace injuries. The average restaurant experiences 3 to 4 injuries per year costing approximately $45,600 total, according to AmTrust Financial claims data. Workers' comp is not just a compliance issue. It is the most important risk transfer decision a restaurant owner makes.

Restaurant kitchens are one of the most dangerous work environments in any industry. Sharp knives, deep fryers at 375 degrees, wet tile floors, heavy pots of boiling liquid, and a staff moving at full speed during a dinner rush.

The numbers back this up. An AmTrust Financial analysis of over 130,000 restaurant workers' compensation claims found that cuts and lacerations account for 25% of all claims. Slips and falls account for 18% of claims but 37% of total costs. Burns make up 12%. And back injuries, while less frequent, are the most expensive at $60,000 to $85,000 per claim.

The average restaurant experiences 3 to 4 workplace injuries per year, costing approximately $45,600 in total claims. If you own a restaurant in Jacksonville, Northeast Florida, or anywhere in the state, understanding when workers' comp is required, what it costs, and what happens when you do not have it is essential.

When Is Workers' Comp Required for Florida Restaurants?

Under Florida Statute § 440.02, non-construction businesses, including restaurants, must carry workers' compensation insurance when they have four or more employees. This includes the owner, full-time employees, and part-time employees.

Construction businesses have a stricter threshold of one employee. Agricultural businesses require coverage at six regular employees or twelve seasonal employees. Restaurants fall under the general non-construction rule at four.

The penalty for operating without required coverage is severe. Under Florida law, willfully operating without workers' compensation when required is a felony. The state can issue stop-work orders and impose penalties of $1,000 per day. First-time violators may qualify for penalty reductions of up to 40% if they cooperate and complete the state's online tutorial, but the base penalties are steep.

What Happens If You Have Fewer Than Four Employees?

This is where most restaurant owners get confused. If you have three employees, Florida law does not require you to carry workers' comp. But that does not mean you are protected.

Without workers' comp, you are personally liable for every workplace injury. If your prep cook burns their hand on a fryer, that emergency room visit, the follow-up care, the lost wages while they recover, all of that comes out of your business. Or your personal assets.

A single serious burn can cost $20,000 or more. A back injury from lifting a stockpot can cost $60,000 to $85,000 in medical treatment, rehabilitation, and lost wages. Without workers' comp, there is no insurance carrier to pay. And without workers' comp, the injured employee retains the right to sue you directly. Workers' comp is a trade: the employee gets guaranteed benefits, and you get protection from lawsuits. Without it, you have neither.

We recommend workers' compensation for any restaurant with employees, regardless of the legal threshold. The cost is modest compared to the exposure. Workers' comp is a core part of any restaurant insurance program we build for clients.

The Five Most Common Restaurant Workers' Comp Claims

Understanding what actually happens in restaurant kitchens helps explain why workers' comp matters so much in this industry.

Cuts and lacerations (25% of claims).
Knives, slicers, broken glass, and food processor blades. The most frequent injury. Average cost per claim: $1,798. Relatively inexpensive per incident but high in volume.
Slips and falls (18% of claims, 37% of total cost).
Wet floors, grease spills, cluttered walkways. These produce the highest total cost because they often result in sprains, fractures, and back injuries. Average cost per claim for strains: $10,672. For fractures: $22,837.
Burns and scalds (12% of claims).
Deep fryers, grills, boiling water, steam, and hot plates. Average cost: $4,326 per claim. Severity ranges widely from minor first-degree burns to hospitalizations.
Back injuries and strains (8% of claims but highest cost).
Lifting heavy pots, supply boxes, bus tubs. Back injuries average $60,000 to $85,000 per claim and can result in long-term disability. One serious back injury can cost more than a year of workers' comp premiums.
Repetitive stress injuries.
Carpal tunnel from chopping, tendinitis from repetitive plating motions, chronic foot and knee pain from standing on hard floors for 8 to 12 hour shifts.

Data source: AmTrust Financial analysis of 130,000+ restaurant workers' compensation claims over six years, reported by Risk & Insurance magazine (2025).

How Much Does Workers' Comp Cost for a Florida Restaurant?

Workers' compensation premiums are calculated as a rate per $100 of payroll, based on your employees' job classification. Florida uses NCCI class codes to determine the base rate.

For 2026, the two restaurant class codes in Florida are:

Class Code 9082 — Restaurant NOC:
$1.16 per $100 of payroll. This applies to most sit-down restaurants, cafes, and bars.
Class Code 9083 — Restaurant Fast Food:
$1.20 per $100 of payroll. This applies to fast food and counter-service operations.

Every workers' comp policy in Florida also includes a $160 annual expense constant, which is a flat administrative charge added to the premium regardless of payroll size.

Restaurant Size	Approx. Annual Payroll	Estimated Annual WC Premium
Small (5 employees)	$150,000	$1,900 ($1,740 + $160 expense constant)
Mid-size (15 employees)	$400,000	$4,800 ($4,640 + $160 expense constant)
Larger (25+ employees)	$700,000	$8,280 ($8,120 + $160 expense constant)

Calculated using 2026 Florida NCCI class code 9082 at $1.16 per $100 payroll plus $160 expense constant. Actual premium may vary based on experience modification (for larger accounts), carrier schedule credits or debits, and any applicable surcharges. Contact our office for an actual quote.

If your restaurant has both kitchen staff and administrative or clerical employees, the clerical payroll may be separated into a lower-rated class code, which reduces the overall premium. Accurate classification matters. We review this on every account.

Workers' Comp Premiums Are Auditable

Your workers' comp premium is based on estimated payroll at the start of the policy. At the end of the year, the carrier audits your actual payroll. If you hired more staff or gave raises, you owe additional premium. If payroll came in lower than projected, you get a refund. This is standard for all workers' comp policies and catches some restaurant owners off guard at year-end.

What Is an Experience Modification Rate?

Larger workers' comp policies (generally those above a certain premium threshold) receive an experience modification rate, or EMR. An EMR of 1.0 is average for your industry class. Fewer claims than average pushes it below 1.0 and lowers your premium. More claims pushes it above 1.0 and increases your cost.

Most small restaurants with only a few employees will not have an EMR assigned because their premium is below the threshold. But claims history still matters. Even without a formal experience mod, carriers review your loss history at renewal. A restaurant with frequent claims will see higher rates or non-renewal regardless of size.

Five Ways to Lower Your Restaurant Workers' Comp Cost

Implement a documented safety program.
Restaurants with formal monthly safety meetings and written protocols experience 40% fewer workers' comp claims, according to the National Restaurant Association. Some insurers offer premium discounts for documented training.
Require non-slip footwear.
Slip-resistant shoes are the single most cost-effective injury prevention measure in a restaurant. Some carriers offer boot stipend programs or discounts for mandatory footwear policies.
Train on proper lifting techniques.
Back injuries are the most expensive claim category. Training on team lifting for heavy items, proper squat form, and using carts instead of carrying reduces frequency significantly.
Classify employees accurately.
Kitchen staff, servers, and administrative employees carry different class codes with different rates. Misclassifying a manager as a line cook inflates your premium. Misclassifying the other direction can leave you underinsured and trigger audit penalties.
Report claims promptly.
Florida requires employers to report workplace injuries to their carrier within seven days. Late reporting increases claim costs and can trigger penalties. Fast reporting also allows the carrier to manage medical care early, which reduces total claim cost.

Claims history is the biggest lever you have. Whether your restaurant is large enough for a formal experience mod or not, carriers look at your loss history at every renewal. A clean record over three to five years keeps your rates competitive. One bad year with multiple claims can increase your premium by 15% to 30% or more.

Does Workers' Comp Cover the Restaurant Owner?

In Florida, corporate officers and LLC members can elect to exempt themselves from workers' compensation coverage by filing a Notice of Election to be Exempt with the state. For non-construction businesses, up to three officers or members may be exempt.

But exempting yourself means you have no coverage for your own workplace injuries. If you are working in the kitchen alongside your staff and burn yourself, your workers' comp policy will not cover you. Whether to include or exclude yourself is a financial decision that depends on your personal health insurance and risk tolerance. We review this with every restaurant client.

Is Your Restaurant's Workers' Comp Right?

Let us review your current program. We will check your classifications, your claims history, and your carrier to make sure you are properly covered and not overpaying.

Request a Workers' Comp Review Call 904-268-3106

Important: This article is for educational purposes only and does not constitute insurance or legal advice. Cost estimates, premium calculations, and coverage descriptions are illustrative and not a guarantee of coverage, insurability, or premium. Actual policy terms, rates, and conditions are determined by the carrier and subject to underwriting approval. For specific coverage recommendations for your restaurant, contact our office at (904) 268-3106 or request a quote online.

Sources

Florida Legislature. Florida Statute § 440.02. Workers' compensation required for non-construction employers with four or more employees. leg.state.fl.us
NCCI (National Council on Compensation Insurance). 2026 Florida Workers' Compensation Class Code Rates. Class 9082 Restaurant NOC: $1.16 per $100 payroll. Class 9083 Restaurant Fast Food: $1.20 per $100 payroll. Expense constant: $160. Effective 1/1/2026.
AmTrust Financial. Analysis of 130,000+ restaurant workers' compensation claims over six years. Cuts account for 25% of claims. Slips and falls account for 18% of claims and 37% of total cost. Strains average $10,672 per claim. Fractures average $22,837. Reported by Risk & Insurance magazine, October 2025. riskandinsurance.com
1800Insurance.com. "Workers' Comp for Restaurants: Costs, Codes & Coverage 2025." Average restaurant experiences 3-4 injuries per year costing approximately $45,600 total. Back injuries cost $60,000 to $85,000 per claim. 1800insurance.com
National Restaurant Association. Restaurants with documented monthly safety meetings and written protocols experience 40% fewer workers' compensation claims. restaurant.org
Florida Division of Workers' Compensation. Laws, rules, and penalty information. myfloridacfo.com
Mosey.com. "Florida Workers Compensation Rules for Employers." Penalty relief for first-time violators: 25% reduction for cooperation + 15% for completing online tutorial = up to 40% reduction. mosey.com

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Susan helps Florida restaurant owners build workers' compensation programs that protect their employees and their business. This article was published in May 2026.

Read the full article at www.weshopinsurance.com

What 2,250+ Google Reviews Tell You About a Jacksonville Insurance Agency

Susan Augustyniak — Tue, 26 May 2026 08:00:00 GMT

Quick Answer: When evaluating a Jacksonville insurance agency, look beyond the star rating. Review volume (hundreds vs. dozens), recency (this month vs. years ago), and detail (do reviewers mention specific people, claims experiences, and real savings?) tell you more than a single number ever will.

2,250+Five-Star Reviews
80+Insurance Companies
20+Years in Florida
4.9★Google Rating

We are Augustyniak Insurance Group, an independent agency in Jacksonville with over 2,250 Google reviews. That means thousands of Jacksonville homeowners trust us to get this right. Not just once, but year after year.

We’ll show you exactly how to evaluate any agency, including us, so you can make the right decision. This is about how to read any agency’s reviews like a smart shopper so you can make a confident decision. If you’re searching for the best insurance agency in Jacksonville, FL, learning how to read Google reviews correctly is one of the smartest things you can do

Every insurance agency in Jacksonville claims to be the best. Every website says "trusted" and "top-rated." Google reviews are the closest thing to an unfiltered report card. But knowing how to read them gives you a real advantage.

If you’ve already done your research and want a second opinion before making a decision, call (904) 268-3106.

What to Look For

What Review Volume Actually Tells You

An agency with 50 reviews and an agency with 2,000+ reviews might both show 4.9 stars. They are not the same.

Volume is a measure of consistency. A 4.9 average across 2,000+ reviews means the agency delivers for thousands of clients over many years. A 4.9 across 50 reviews could be a handful of friends and family in the first year of business.

In Jacksonville, several independent agencies have a few hundred reviews. A smaller number have over a thousand. When you are trusting someone with your home, auto, and business coverage, that track record matters.

Why Recency Matters More Than Total Count

An agency might have 500 reviews, but if the last one was six months ago, something changed. Maybe they lost staff. Maybe service slipped. Maybe they stopped asking because they are no longer confident in the experience.

Look for agencies that have reviews from the current month. Multiple reviews per week tells you the agency is actively serving clients, and those clients are happy enough to leave feedback right now.

Try this: Go to any agency's Google listing, click their reviews, and sort by "Newest." If the most recent review is more than a month old, ask yourself why. If the reviews are coming in weekly, that is a strong sign.

What to Look for in the Actual Review Text

Star ratings are a starting point. The real information is in the words.

Smart Shopper Guide

How to read an agency's Google reviews

✓

Reviewers name specific employees
Real relationships, not a faceless call center.

✓

Reviews mention claims experiences
"Walked me through my claim" is worth more than "great service."

✓

Reviewers mention specific savings
"Saved us 23% on auto" is more meaningful than "good price."

✓

Reviews come from different types of clients
Homeowners, auto, business, flood. Diverse reviews show depth.

✓

Agency responds to negative reviews
Every business gets a bad review. How they respond shows character.

✗

Only generic "great service" reviews
Vague praise with no detail may signal templated or solicited reviews.

✗

No reviews in the last 3 months
An active agency has active clients leaving feedback. Silence is a red flag.

What Real Reviews Sound Like

When you see a review that says "I have been with this agency for several years and they proactively reach out before every renewal," that tells you something specific about how the agency works. Compare that to "good company, nice people." Both are positive. One is useful.

Reviews that describe a process tell you the most. Look for things like: the agent compared multiple companies, explained the differences, responded within hours, or helped navigate a claim from start to finish. Those details reveal whether the agency is doing the work that matters. Look for staff names in the reviews also.

Not sure which agency to trust?
Call (904) 268-3106 and we’ll walk you through it — no pressure.

Reviews vs. Awards

Google Reviews vs. Awards: Which Should You Trust?

Awards look nice on a website. But some awards are paid placements or popularity contests. Google reviews cannot be bought. They come from verified accounts and Google actively filters out suspicious activity.

The best signal is the combination of both: strong, recent, detailed Google reviews alongside legitimate third-party recognition.

Three Best Rated, for example, evaluates agencies on reviews, complaint history, and business longevity. An agency with both a strong Google profile and independent recognition has earned its reputation from multiple angles.

Watch for this: If an agency prominently displays awards you have never heard of, check whether those awards require an application fee. Some "best of" awards are simply paid placements. Google reviews and established organizations like Three Best Rated, BBB, and AM Best carry more weight.

See Why 2,250+ Jacksonville Clients Chose US

2,250+ Google reviews. 4.9 stars. Start with our reviews.

If it feels like a fit, we’ll compare your options across 80+ companies and help you make the right decision

Call (904) 268-3106 Compare Your Rate Across 80+ Companies Augustyniak Insurance Group · Three Best Rated 12 consecutive years

Common Mistakes

3 Mistakes People Make When Reading Insurance Reviews

1. Only looking at the star rating

A 4.8 with 2,000 reviews tells a completely different story than a 5.0 with 12 reviews. Volume, recency, and detail matter more than the number at the top.

2. Ignoring negative reviews

Sort by lowest first. Read the 1- and 2-star reviews. Every agency has a few. What matters is whether the complaints describe real service failures or unrealistic expectations, and whether the agency responded professionally.

3. Not checking review dates

An agency that had great reviews three years ago may not be the same agency today. Staff changes, ownership changes, and growth can all affect service quality. Recent reviews reflect the current experience.

For the full guide on what separates a great agency from an average one: How to Choose the Best Insurance Agency in Jacksonville, FL. Or call us at (904) 268-3106 and see the difference for yourself.

FAQ

Frequently Asked Questions

Can insurance agencies buy fake Google reviews?

Google actively detects and removes fake reviews. While no system is perfect, an agency with thousands of reviews spanning many years is almost certainly legitimate. Look for reviews that mention specific people and specific experiences.

Should I trust Yelp or Google reviews for insurance?

Google tends to be more transparent and has a larger sample size for most Jacksonville insurance agencies. Yelp's algorithm aggressively filters reviews, and many legitimate ones get hidden. For insurance agencies, Google is the more reliable source.

How many Google reviews should a good agency have?

Context matters. An agency that has been in business for 20 years should have significantly more reviews than one that opened last year. For established agencies, a few hundred reviews with consistent recent activity is a strong sign.

What does a 4.9 star rating mean with thousands of reviews?

A 4.9 across thousands of reviews means the agency delivers a consistently strong experience. It also means they are not deleting negative reviews. A perfect 5.0 with a small number of reviews is actually less trustworthy because it suggests a limited sample.

Does Three Best Rated use the same criteria as Google reviews?

Three Best Rated evaluates agencies on multiple factors including Google reviews, complaint records, business history, and client satisfaction. It is an independent evaluation, not a paid award. Augustyniak Insurance Group has been recognized by Three Best Rated for 12 consecutive years.

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Fill out the form below and our team will compare your options across 80+ companies. Home, auto, or business. Most quotes come back the same day.

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Our team is here Monday through Friday, 8:30 AM to 5:00 PM. Real people, real service, real reviews.

Most people just want to make sure they’re not missing something. That’s exactly what we help with.

Call (904) 268-3106 Augustyniak Insurance Group · 12058 San Jose Blvd, Jacksonville FL

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Read the full article at www.weshopinsurance.com

Florida Liquor Liability Insurance - Dram Shop Law for Restaurants

Susan Augustyniak — Thu, 21 May 2026 09:00:00 GMT

Published: May 2026

Florida Liquor Liability and Dram Shop Law: What Restaurant Owners Need to Know

Key Takeaway: Florida Statute § 768.125 is one of the most alcohol vendor-friendly dram shop laws in the country. In Florida, a business generally cannot be held liable for overserving a legal-age adult. But you still need liquor liability insurance. Your general liability policy excludes alcohol-related claims entirely. Defense costs alone on a single lawsuit can exceed $50,000.

If you serve any alcohol in your Florida restaurant, even just beer and wine with dinner, you have liquor liability exposure. But Florida's dram shop law is different from most states, and understanding how it works changes the way you should think about your coverage.

What Is Florida's Dram Shop Law?

Florida's dram shop statute is found at Florida Statute § 768.125. It reads, in essence: a person who sells or furnishes alcoholic beverages to a person of lawful drinking age shall not become liable for injury or damage caused by that person's intoxication.

In plain language: if a 35-year-old customer drinks four beers at your restaurant, drives home, and causes an accident, Florida law generally protects the business from being sued for that accident. That makes Florida one of the most protective states in the country for alcohol vendors.

Most other states allow lawsuits if you serve a "visibly intoxicated" person who later causes harm. Florida does not follow that approach. The Florida Supreme Court confirmed in Ellis v. N.G.N. of Tampa, Inc. (1991) that the statute preempts common-law negligence claims for overservice.

The Two Exceptions

The statute creates two narrow situations where you can be held liable:

Serving a minor.
If you sell or furnish alcohol to someone under 21, and that minor causes injury or damage while intoxicated, you are liable. This is tied to Florida Statute § 562.11, which makes it a misdemeanor to provide alcohol to underage persons.
Knowingly serving someone "habitually addicted."
If you knowingly serve alcohol to a person you know to be habitually addicted to alcohol, and that person causes harm, you can be liable. Proving "habitually addicted" and that the server "knew" is a high bar. But it does happen, particularly at bars and restaurants where a regular customer has a well-known drinking problem.

If the Law Protects You, Why Do You Still Need Liquor Liability Insurance?

Because lawsuits get filed regardless of the law. The question is not whether you will be found liable. The question is whether you can afford to defend yourself.

Your general liability policy excludes alcohol.
Commercial general liability policies contain an explicit liquor liability exclusion. If a customer files a lawsuit related to alcohol service, your GL carrier will deny the claim. You are on your own for defense costs unless you have a separate liquor liability policy or endorsement.
Defense costs are real even when you win.
Hiring an attorney, taking depositions, and preparing for trial can cost $50,000 to $100,000 even if the case is dismissed. Liquor liability insurance pays for your legal defense from day one. We strongly recommend that clients who serve alcohol purchase liquor liability insurance.
Landlords, franchisors, and lenders require it.
Many commercial leases for restaurant spaces in Jacksonville require tenants to carry liquor liability coverage. Franchise agreements almost universally require it. Some SBA lenders require it as a condition of financing.
Florida's two-year statute of limitations applies.
Under HB 837 (effective March 2023), the statute of limitations for personal injury claims, including dram shop claims, is two years. A lawsuit from an incident at your restaurant can arrive months after the event.

The 35% Threshold: When Your Restaurant Becomes a Bar

Insurance carriers classify restaurants based on the ratio of alcohol sales to total sales (food plus alcohol combined). When liquor receipts exceed roughly 35 to 40% of total sales, most carriers stop classifying your business as a restaurant and start classifying it as a bar or tavern. When alcohol is involved, other events can happen as well. Some fine dining programs will allow exceptions to the percentage of sales, for example, because a restaurant serves very expensive wine or liquor.

The threshold does not automatically raise your premium. What it changes is your eligibility and how carriers underwrite your business:

Restaurant program eligibility disappears.
Most carriers will not write a Business Owner's Policy or a standard restaurant program for businesses above the 35 to 40% alcohol threshold. You move to a commercial package policy or a specialized bar/tavern program with different underwriting criteria.
Bar/tavern classification changes your carrier options.
Fewer carriers write bars and taverns than restaurants. The ones that do often require higher liability limits, may exclude assault-and-battery coverage, and require more detailed applications. Your premium may be higher because the classification reflects a different risk profile, not because of a penalty for crossing a percentage line.
Late-night hours compound the classification.
Hours of operation matter independently of alcohol percentage. A restaurant open until 2 AM faces higher claims frequency than one that closes at 10 PM. If you have both high alcohol percentage and late hours, you are firmly in bar/tavern territory from an underwriting standpoint.

Understanding where your restaurant falls helps your agent place you with the right carrier from the start. Here is how liquor liability costs typically break down by restaurant type:

Restaurant Type	Typical Liquor Liability Cost	Key Factors
Beer/wine only, closes early	$300 – $1,500/yr	Low alcohol %, early close, family dining
Full bar, closes by midnight	$2,500 – $4,000/yr	Full liquor, moderate hours, sit-down dining
Sports bar / late-night	$5,000 – $10,000+/yr	High alcohol %, late hours, crowd density

Liquor Liability on Your Umbrella: The Gap Most Owners Do Not Know About

Here is a critical detail that most restaurant owners and many insurance agents miss. Many commercial umbrella insurance carriers exclude liquor liability from the umbrella. That means your umbrella does not sit on top of your liquor liability limits.

Why does this matter? A single alcohol-related lawsuit with severe injuries or a fatality can easily exceed your primary liquor liability limits - typically of $1 million. If your umbrella excludes liquor, there is nothing above that $1 million. You are exposed for the rest.

Ask about umbrella coverage for liquor liability. Some carriers may offer the ability to include liquor liability within their commercial umbrella program, subject to underwriting approval. Not all carriers offer this option. If you serve alcohol and carry a commercial umbrella, ask your agent specifically whether liquor liability is included or excluded.

At Augustyniak Insurance, we recommend that you consider umbrella coverage as part of your restaurant insurance program.

What You Should Do Now

Confirm you have liquor liability coverage.
Even if you only serve beer and wine. Your GL or BOP policy does not cover it.
Check your umbrella.
Ask specifically whether liquor liability is included. If not, ask about carriers that offer it.
Know your alcohol sales percentage.
Track it. If you are approaching 30 to 35%, your underwriting and carrier options change. Knowing the number in advance gives your agent time to plan.
Train your staff on responsible alcohol service.
Florida does not require formal server training by law, but documented training can help your defense in a lawsuit and may earn premium discounts from some carriers.

Does Your Liquor Liability Have Gaps?

Let us review your current restaurant insurance program. We will check your liquor liability limits, your umbrella, and your carrier options.

Request a Restaurant Insurance Review Call 904-268-3106

Important: This article is for educational purposes only and does not constitute insurance or legal advice. The discussion of Florida statutes and case law is informational and should not be relied upon as legal guidance for your specific situation. Coverage descriptions, cost estimates, and carrier information are illustrative and not a guarantee of coverage, insurability, or premium. Actual policy terms are determined by the carrier and subject to underwriting approval. For specific coverage recommendations, contact our office at (904) 268-3106 or request a quote online.

Sources

Florida Legislature. Florida Statute § 768.125, "Liability for Injury or Damage Resulting from Intoxication." leg.state.fl.us
Florida Supreme Court. Ellis v. N.G.N. of Tampa, Inc., 586 So.2d 1042, 1048 (Fla. 1991). Confirmed that § 768.125 preempts common-law negligence claims for alcohol overservice.
Florida Legislature. Florida Statute § 562.11. Misdemeanor to provide alcohol to persons under 21.
Florida Legislature. HB 837 (effective March 24, 2023). Modified comparative negligence system and two-year statute of limitations for personal injury claims including dram shop actions.
Nolo Legal Encyclopedia. "Florida's Dram Shop Laws and Social Host Liability for Alcohol-Related Accidents." Updated 2025. nolo.com
Insurance Journal. "Restaurants, Insurance Agents Strive for Stability as Costs Continue to Rise." April 2025. Florida is identified as one of six states accounting for 61% of "nuclear verdicts" nationally (Society Insurance data, 2013–2022). insurancejournal.com

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Susan helps Florida restaurant and bar owners understand their liquor liability exposure and build insurance programs that protect against the risks most owners underestimate. This article was published in May 2026.

Read the full article at www.weshopinsurance.com

5 Questions to Ask Before Switching Insurance Agencies in Florida

Susan Augustyniak — Tue, 19 May 2026 08:00:00 GMT

Quick Answer: You can switch insurance agencies in Florida at any time. You do not have to wait for renewal. But before you switch, ask about company access, whether your current discounts transfer, how claims are handled, what happens to your current policy, and whether the new agency reviews your coverage every year. You may even be able to keep your policy and company and transfer agents.

2,250+Five-Star Reviews
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We are Augustyniak Insurance Group, an independent agency in Jacksonville. We help people switch agencies every week, and most of the mistakes we see are completely avoidable.

Is this you? Your premium went up and your agent never called. You left messages and did not get a response. You are not sure if your coverage is still right. You feel like no one is reviewing your policy anymore. If any of that sounds familiar, you are not alone.

If you already know you want to move, call (904) 268-3106. If you want to make sure you do it right, keep reading.

Maybe your premium jumped and your agent said nothing. Maybe you called twice and nobody called back. Maybe you just have a feeling there should be a better way.

Whatever the reason, switching agencies in Florida is simpler than most people think. But doing it right matters. Here are five questions to ask before you make the move.

Before You Commit

5 questions to ask any new agency

How many insurance companies do you represent?

More companies means more options and better pricing.

Will my current discounts transfer?

Loyalty and multi-policy discounts may not carry over.

What happens to my current policy?

Mid-term cancellation, refund timing, and gap prevention.

How do you handle claims?

"Call us first" vs. "call the 800 number on your card."

Do you review my policy every year before renewal?

Proactive review vs. automatic renewal with no contact.

The Five Questions

1. How Many Insurance Companies Does the New Agency Represent?

This is the most important question. If you are leaving a captive agent because they only had one option, make sure you are not moving to another agency with limited access.

An independent agency with access to 20, 40, or 80+ companies can compare your options side by side. That is the whole point of switching. If the new agency only works with 5 or 6 companies, you are trading one limited view for a slightly wider limited view.

2. Will My Current Discounts Transfer?

Some discounts are company-specific. A claims-free discount, loyalty discount, or multi-policy discount with your current company may not exist with a new one.

Ask your new agent to show you a full comparison that accounts for all applicable discounts with the new company. In many cases, the new company's base rate is low enough that even without a loyalty discount, you come out ahead. But verify this before you commit.

Good sign: A new agent who shows you the full comparison, including what you lose and what you gain, is an agent who wants you to make the right decision. Not just a quick sale. That is the kind of agency worth switching to.

3. What Happens to My Current Policy?

If you switch mid-term, your old company will most likely issue a prorated refund for the unused portion of your premium. Your new agent handles the transition and makes sure there is no gap in coverage. On E&S policies, some have minimum earned premiums, so be sure to discuss this with your new agent. Also, NFIP flood policies do not refund premiums once they are renewed, unless it's for very specific reasons.

If you prefer to wait, you can also time the switch to your renewal date. Your new agent can quote you 30 to 60 days before renewal so you have time to compare without rushing.

Never cancel your current policy before the new one is active. Even a one-day gap in coverage can cause problems with your lender and insurance coverage. The gap will also make it harder to get a competitive rate in the future. Your new agent should bind the new policy first, then cancel the old one.

4. How Does the New Agency Handle Claims?

Ask directly: "When I have a claim, what do I do?" The right answer is some version of "call us first. We will walk you through it, file it with the company, and follow up until it is resolved."

The wrong answer is "call the 800 number on your insurance card."

Claims support is where the real value of an agency shows up. It is easy to sell a policy. Helping a client through a roof leak or a car accident is harder. That is what separates a good agency from an average one. Your agent is paid to do this work. Make sure they actually do it.

5. Will They Review Your Policy Every Year Before Renewal?

This is the question most people forget to ask. A great agency does not just find you a good rate today. They reach out before each renewal, review your coverage and pricing, and recommend the best next step.

That might mean comparing other companies, adjusting deductibles, or confirming your current policy is still the right fit. You should never have to call and ask "can you look at this?" The agency should start that conversation.

For the full guide on what makes a great agency: How to Choose the Best Insurance Agency in Jacksonville, FL.

You May Not Need to Switch Companies

Do You Need a New Policy or Just a New Agency?

Sometimes you do not need to switch insurance companies at all. If you like your current company but are unhappy with your agency's service, there is another option: an Agent of Record change.

An Agent of Record change moves your existing policy from one agency to another without rewriting the policy. Your company, coverage, and current premium typically stay the same.

It can be a smart option when you want better communication and more proactive service but do not need to shop for a new company right now.

Not every company handles these requests the same way. Some have timing rules or require signed forms. A good agency can tell you whether an AOR change makes sense or whether remarketing your coverage would be the better path.

Happy with your company but not your agency? Call us at (904) 268-3106 and ask whether an Agent of Record change is an option for your policy.

Ready to Switch? We Make It Easy.

Bring your declarations page. We handle the transition, compare 80+ companies, and make sure there is no gap in coverage.

Call (904) 268-3106 Compare Your Rate Across 80+ Companies Augustyniak Insurance Group · Most quotes come back the same day.

What to Bring

What You Need When You Switch Agencies

Have these documents ready for your new agent:

Current declarations page.
Shows your coverage limits, deductibles, premium, and company name. This is the single most useful document for getting an accurate comparison.
Wind mitigation report.
If you have one. This can save you 15% to 45% on your home insurance with a new company.
4-point inspection.
Required for homes over 20 years old with most Florida companies.
Flood policy declarations.
If you carry flood insurance, bring this too so the new agent can review it alongside your homeowners policy.
Auto insurance declarations.
If you want your new agency to handle home and auto together, bring both.

You do not have to cancel anything to get a comparison. A good agent will quote you, show you the options, and let you decide. Call (904) 268-3106 to get started.

How to Switch

How to Switch Insurance Agencies Step by Step

Switching is simpler than most people expect. A good agency handles most of the work for you.

Share your current declarations page.
This lets the new agency review your coverage and pricing accurately.
Review your options side by side.
Your new agent should show you what changes, what stays the same, and whether switching companies or keeping your current one makes more sense.
Choose the right path.
This may mean switching to a new company or completing an Agent of Record change if you want to keep your current one.
Bind your new policy first.
If you are changing companies, your new coverage should always be active before canceling your old policy.
Your new agency handles the rest.
Cancellation paperwork, timing, lender notifications. You should never feel like you are figuring it out yourself.

FAQ

Frequently Asked Questions

Can I switch insurance agencies at any time in Florida?

Yes. You do not have to wait for your renewal date. You can switch mid-term and receive a prorated refund from your current company for the unused portion of your old policy.

Will switching agents hurt my insurance score or history?

No. Switching agents has no impact on your claims history, insurance score, or eligibility. Your claims history follows you regardless of which agency handles your policy.

Do I have to cancel my old policy myself?

In most cases, your new agent handles the cancellation after binding your new policy. Some companies require a signed cancellation request from the policyholder. Your new agent will walk you through the process.

What is an agent of record change?

An Agent of Record change moves your existing policy from one agency to another without rewriting the policy. Your company, coverage, and current premium typically stay the same.

Company rules vary, and some require signed forms or have timing restrictions. Your new agent can tell you if it is an option for your policy.

How long does it take to switch insurance agencies?

If you are doing an agent of record change, it can be done in a few days. If you are switching to a new company, most quotes come back within one to two business days. Your new agent handles the paperwork so there is no lapse.

Get Your Quote

Compare Your Insurance Options Now

Fill out the form below and our team will compare your options across 80+ companies. Home, auto, or business. Most quotes come back the same day.

Prefer to Talk to Someone?

Our team is here Monday through Friday, 8:30 AM to 5:00 PM. We will walk you through the entire switching process.

Call (904) 268-3106 Augustyniak Insurance Group · 12058 San Jose Blvd, Jacksonville FL

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Read the full article at www.weshopinsurance.com

Does Nationwide Write Home Insurance in Florida?

Susan Augustyniak — Tue, 12 May 2026 08:00:00 GMT

Quick answer.Yes. As of 2026, Nationwide is writing Florida home insurance directly through Nationwide again, not through a partner insurance company. Augustyniak Insurance Group is one of a limited number of Florida agencies selected for Nationwide’s new program. In general, newer homes have the best chance of qualifying. Eligibility also depends on the county and distance from the coast. If you want to know whether your home qualifies, call us at (904) 268-3106 or request a home insurance quote.

2,250+Google Reviews
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80+Insurance Companies
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If you Google "does Nationwide write home insurance in Florida," almost every page on the first result will tell you no. Most of those pages are not wrong, but they are not fully current either.

Augustyniak Insurance Group is an independent agency in Jacksonville, Florida. We work with more than 80 insurance companies, and as of 2026, Nationwide is once again one of the home insurance companies we can quote in Florida. That has not been true for most agencies in the state for a long time.

Susan Augustyniak, our Vice President, spent nine years at Nationwide before joining the agency in 2008. She worked there as a commercial underwriter, large loss property claims adjuster, and sales manager. She knows the company from the inside, and she has been watching this Florida home market closely for two decades. If you want to know whether your home qualifies, call us at (904) 268-3106.

Nationwide Home Insurance in Florida — Quick Reference
Question	Answer
Does Nationwide write home insurance in Florida?	Yes, as of 2026
Is this a real Nationwide policy?	Yes, written by Nationwide Insurance
Is it a partner or subsidiary company?	No, issued by Nationwide Insurance
Available through any agency?	Only available with select few agencies in Florida (pilot)
Are newer Florida homes eligible?	Often, depending on factors
Are coastal Florida homes eligible?	Depends on the distance to the coast
Can I bundle with Nationwide auto?	Yes, and recommended, up to 20% home discount
Is Nationwide auto competitive on its own?	Yes, regularly
AM Best Financial Strength Rating?	A (Excellent), affirmed Nov 2025

What is the actual answer about Nationwide and Florida home insurance?

Nationwide has maintained a major presence in Florida for years through auto, life, and business insurance. Home insurance is the part of the company that became difficult to find in Florida.

After the 2004 and 2005 hurricane seasons, Nationwide and many other national insurance companies significantly reduced new homeowners insurance business in Florida. State Farm, Allstate, Travelers, Hartford, and several others did the same thing for the same reason: too much hurricane exposure for one storm to wipe out years of profit.

For most of the next twenty years, the typical advice for a Florida homeowner asking about Nationwide was simple. Auto insurance, yes. Home insurance, no.

That answer is no longer fully accurate. As of 2026, Nationwide is once again writing Florida home insurance directly through Nationwide, not through a partner insurance company, under a limited pilot program with selected independent agencies in Florida. Augustyniak Insurance Group is one of those agencies.

If you have Nationwide auto and want to bundle your home insurance, that has historically not been possible in Florida. It may be possible now, and bundling can save up to 20% on the home premium. Call (904) 268-3106 and ask us to check eligibility.

Why is Nationwide writing Florida home insurance again in 2026?

Three things changed at the same time, and Nationwide is responding to all three.

The Florida insurance market is stabilizing. The legislative reforms passed in Florida in 2022 and 2023 reduced lawsuit abuse, lowered reinsurance pressure, and brought new capital into the state. Multiple new home insurance companies have entered Florida since 2024. Existing companies have started filing rate decreases. Citizens, the state-run insurer of last resort, has filed its first rate decrease in a decade.

Reinsurance prices have come down. When reinsurance is too expensive, Florida home insurance is unprofitable for big national companies. As reinsurance has eased, Florida is once again a market large companies can underwrite without taking on more risk than they want to hold.

National companies want a Florida footprint. Florida is the third-largest state and one of the fastest-growing. Long-term, national insurers do not want to be absent from a market that big. As soon as the math works again, the larger companies start coming back. Several of Florida's largest home insurance companies have made similar moves over the past 18 months.

Which Florida homes does Nationwide write?

Nationwide's Florida home insurance underwriting is more selective than many Florida-focused home insurance companies. Three factors carry the most weight in determining initial eligibility:

Age of the home.
Nationwide's Florida home product is more accessible for newer homes than for older ones. From what we are seeing, newer inland homes are fitting the program more often than older homes
County.
Some Florida counties fit Nationwide's guidelines more easily than others. Where your home sits on the map is one of the first underwriting questions.
Distance to the coast.
Coastal exposure is the single biggest reason most national companies left Florida home insurance after 2004 and 2005. Distance to the coast is a key factor in whether Nationwide can write a specific home today.

Three more factors then drive the pricing and final terms once a home clears the eligibility gates above:

Age of the roof.
Roof age is one of the most important factors in any Florida home insurance quote, and Nationwide is firm on it. Older roofs are difficult to place anywhere in Florida, and Nationwide is no exception. A four-point inspection report and roof condition documentation will matter.
Claims history.
A clean claims history is meaningful. Recent water claims, multiple recent claims, or a pattern of claims complicates placement with Nationwide and most other strong companies.
Occupancy of the home.
Nationwide writes primary residences. Seasonal homes, second homes, vacant homes, and rental properties have different underwriting requirements or fall outside the program. If the home is not your primary residence, we will need to discuss the right product, which may be Nationwide or another company we work with.

None of these factors are automatic disqualifiers on their own. They are inputs to the quote. The only way to know if your home fits Nationwide's Florida guidelines is to run a quote. Call us at (904) 268-3106, or use the form below.

One important note. If your home does not fit Nationwide's Florida guidelines, that is not a problem. Our agency works with more than 80 insurance companies. We will quote your home with whichever companies are the strongest fit, including Nationwide if it qualifies and other strong Florida home companies if it does not. The goal is the right policy at the right price, not Nationwide specifically.

Many of our Northeast Florida clients are exploring Nationwide as part of their 2026 home insurance review.

Who tends to fit Nationwide best in Florida?

Based on what we are seeing in the early returns of the program, Nationwide tends to be the strongest fit for Florida homeowners with a few common characteristics:

Newer homes in Florida, where the age of the structure aligns with Nationwide's program.
Primary residences rather than seasonal homes, second homes, or rental properties.
Homeowners already with Nationwide auto who can take advantage of the multi-policy discount.
Inland or moderate coastal exposure rather than tight coastal locations.
Cleaner claims histories without recent water claims or repeated losses.
Updated roofs within typical Florida market expectations.

If most of these describe your home, Nationwide is likely worth quoting alongside our other companies. If only one or two apply, the answer is less certain and a quote is the way to find out.

From what we are seeing in our own book of new Nationwide quotes, newer inland homes in areas like Jacksonville, St. Johns County, and parts of Clay County and Nassau County are fitting the program more often than older coastal homes closer to the Atlantic.

Why does Nationwide matter as a Florida home insurance option?

For nearly twenty years, many large national home insurance companies were difficult or impossible to access for Florida homeowners. Most Florida home policies were written through Florida focused insurance companies instead. That has worked for many households, but it has also meant fewer options when it comes to financial strength, claims handling, product features, and bundling home, auto, and umbrella coverage with the same company.

Nationwide brings a different profile back into the Florida home insurance market. Here are some of the reasons homeowners are paying attention to it again:

National financial strength.
Nationwide Property & Casualty Group holds an A (Excellent) Financial Strength Rating from AM Best, affirmed November 2025. That rating reflects the entire national company, not a Florida-only subsidiary.
In house claims handling
Claims are handled by Nationwide claim adjusters, not outsourced to a third-party adjusting firm. After a Florida storm, the company sending an adjuster to your home is the same company that issued your policy. Nationwide has historically scored well in several national claims satisfaction studies.
Extended replacement cost coverage.
Nationwide offers extended replacement cost as an option, which increases your dwelling coverage limit beyond the policy limit if rebuilding costs run higher than expected. After a major Florida storm, materials and labor costs can spike. This option is your buffer against that scenario.
Brand New Belongings.
Nationwide's Brand New Belongings feature provides replacement cost coverage for personal property. Instead of paying depreciated values, covered items are replaced at today's cost, subject to policy terms and limits.
Ting fire prevention sensor.
Eligible Nationwide homeowners can receive a free Ting smart sensor that monitors the home's electrical system for fire hazards, plus monitoring service and repair allowance if Ting identifies a hazard. None of the Florida-only home insurance companies currently offer this.
Ordinance or law coverage built in.
If your home is older and has to be rebuilt to current Florida building code after a loss, the upgrade costs can be substantial. Nationwide includes ordinance or law coverage in the standard policy, where many companies sell it as an add-on.

None of this means Nationwide is automatically the best fit for every Florida home. It means Florida homeowners once again have access to a nationally recognized insurance option that had been largely unavailable in the state for many years.

Will Nationwide be cheaper than my current Florida home insurance?

For newer homes in Florida, Nationwide is often pricing competitively. That is one of the more interesting observations from the early returns of the program. When you weigh price alongside the company's financial strength rating and in-house claims handling, Nationwide is a real contender on newer Florida homes — not always the lowest, but often close to it with a stronger profile behind the policy.

For older Florida homes, the picture is less consistent. A Florida-only home insurance company sometimes writes the same home for less. The age of the home is the biggest single factor that drives where Nationwide lands relative to the competition.

What we usually see when we quote a Florida home across multiple companies, including Nationwide:

Newer Florida homes.
Nationwide is frequently competitive on price, and the bundle discount with auto insurance can widen the gap further. For many newer homes,, Nationwide is often worth serious consideration.
Older Florida homes.
Pricing and eligibility vary more. Some homes fit Nationwide well, while others are better suited for Florida specialty insurance companies. We quote both ways and let you compare the options side by side.
Coverage differences matter.
The lowest premium is not always the best overall value. Hurricane deductibles, roof settlement terms, ordinance or law coverage, water damage limits, and replacement cost rules can vary significantly between companies. The full coverage picture matters, not just the bottom line cost or premium.

The only way to know where Nationwide lands for your specific home is to run a quote across all the companies we work with and compare side by side. Call (904) 268-3106 or use the form below.

Get a Florida Home Quote — Including Nationwide if Eligible

We will check Nationwide's Florida guidelines for your home and quote alongside our other 80+ companies. No pressure, no hassle, just a real number to compare against your current rate.

Compare Your Rate Across 80+ Companies Call (904) 268-3106 Jacksonville, FL · Independent · Susan Augustyniak, CIC

What does the Nationwide home and auto package look like in Florida?

For Florida homeowners who carry both home and auto with the same company, the Nationwide package is one of the strongest options on the market. There are three reasons it works well together:

Bundle savings up to 20% on the home premium.
When Nationwide writes both your home and auto, the multi-policy discount can save up to 20% on the home insurance premium. For Florida homeowners paying high single-line premiums, that is a meaningful number.
Nationwide auto is competitive on its own.
This is worth understanding. Nationwide auto rates in Florida are competitive against other auto carriers on price alone, not just as a bundle anchor. We see this regularly when we run auto quotes across multiple companies. The auto side of the package holds up on its own merits, which means you are not overpaying on auto to get the home discount.
One company, one claim experience.
If a hurricane damages both your home and a vehicle in your driveway, both claims are handled by the same company, by Nationwide's own claim adjusters. That coordination is simpler than dealing with two carriers, two adjusters, and two different sets of paperwork during a stressful time.

What we usually find when we quote both: the Nationwide package wins on total cost for households who would otherwise be paying for separate home and auto policies anyway. The combined number, with the bundle discount factored in, is often hard to beat.

What if I already have Nationwide auto?

If you currently have Nationwide auto in Florida and your home qualifies for the Nationwide Florida home product, the bundle discount is finally back on the table. For years, Florida Nationwide auto customers who wanted to bundle were told they could not because the home product was not available. That is no longer the case for eligible homes. We can quote it as a package and show you the dollar difference.

Was Nationwide ever fully out of Florida?

Not entirely. This is a common misunderstanding worth clearing up.

Nationwide has continued to write auto insurance, life insurance, business insurance, commercial auto, workers' compensation, and other lines in Florida throughout this period. Many Florida households have had Nationwide auto policies for years without realizing that their home insurance was somewhere else only because the home product itself was not being sold here.

Nationwide auto in Florida has stayed competitive on price the whole time. The "Nationwide is not in Florida" framing was always specific to home insurance. The other products never went away.

Quick recap: Nationwide auto in Florida — yes, always available. Nationwide home in Florida — was unavailable for years, now available through select agencies including ours, depending on the home. Call (904) 268-3106 to check eligibility.

What should a Florida homeowner do next?

If you are shopping home insurance and want to know whether Nationwide is an option for you, the next step is short.

Have your declarations page handy.
The dec page from your current policy shows your coverage limits, deductibles, and home details. That is what we need to quote accurately.
Know your roof age and any recent updates.
Roof age, plumbing updates, electrical updates, and four-point inspection results, if you have them, all matter to underwriting.
Decide if you want bundle pricing.
If you have Nationwide auto, mention it. If you have auto somewhere else, mention that too. We can run multiple bundle scenarios.
Reach out.
Call us at (904) 268-3106 or use the form at the bottom of this page. We will run Nationwide alongside our other companies and bring you the strongest options.

Get Your Florida Home Quote

Ready to see real numbers? Fill out the form below or call (904) 268-3106. We will quote your home with Nationwide if you qualify, plus the other strong Florida home insurance companies we work with.

Prefer to talk to someone?

Call us at (904) 268-3106 and ask whether your home qualifies for Nationwide's Florida home product. We are an independent agency in Jacksonville, and there is no pressure to switch.

Call (904) 268-3106 Mon–Fri · Jacksonville, FL · Susan Augustyniak, CIC

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Before joining Augustyniak Insurance Group in 2008, Susan spent nine years at Nationwide as a commercial underwriter, large loss property claims adjuster, and sales manager. She holds a Florida 2-20 General Lines Agent license and helps Jacksonville homeowners navigate coverage decisions across Duval, St. Johns, Clay, and Nassau counties. Susan and the Augustyniak team handle the entire policy lifecycle — quote, bind, claims, renewals, and annual reviews — so clients have one consistent point of contact for years. Published May 2026.

Read the full article at www.weshopinsurance.com

How Insurance Agents Get Paid (And Why an Independent Agent Costs You Nothing Extra)

Susan Augustyniak — Tue, 12 May 2026 08:00:00 GMT

Quick Answer: You do not pay extra to use an independent insurance agent. The insurance company pays the agent a commission out of its own operating budget. In most cases, your premium is the same whether you buy through an independent agent, a captive agent like State Farm, or directly online. The only difference is how many options you see.

2,250+Five-Star Reviews
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We are Augustyniak Insurance Group, a Jacksonville independent insurance agency that represents more than 80 insurance companies. We help homeowners, drivers, and business owners find better coverage across 80+ companies.

This is the question we hear more than almost any other: "Does it cost me more to use you instead of going direct?" The answer is no. Here is exactly how it works.

A Jacksonville homeowner might quote direct with one company and see only one option. An independent agent may compare 10 to 20 Florida home insurance carriers at once, including companies the customer has never heard of but that are very competitive in Florida.

How Insurance Agents Actually Get Paid

When you buy an insurance policy, the insurance company collects your premium. Out of that premium, the company pays for claims, underwriting, customer service, technology, advertising, and its own operating costs.

A portion of that premium goes to the agent or agency as a commission. In Florida, that is commonly somewhere in the range of 6% to 14% for many home, auto, and commercial policies, though it varies by company and policy type. The commission is built into the policy pricing, not added as a separate fee on top of your premium.

This is true whether your agent is independent or captive. Every insurance company has customer acquisition and servicing costs built into its pricing model. With a direct company, that same expense goes toward call centers and national marketing instead.

Agents also earn a smaller renewal commission each year the policy stays in force. That is why long-term service matters to a good agency. They keep your business by earning it every year.

Whether you need home insurance, auto insurance, or business insurance, the commission structure works the same way.

Want us to compare rates across 80+ companies? Compare insurance quotes or call (904) 268-3106

The Real Difference: Agent vs. TV Commercials

When you buy directly from companies like GEICO or Progressive online, you skip the agent. But your premium does not automatically go down because of it. Those companies spend billions of dollars every year on television commercials, sponsorships, and online marketing.

That advertising budget comes from the same overall revenue stream an agent commission would. The money goes somewhere either way. The question is whether you want it going toward a person who helps you choose the right coverage or toward a national marketing machine.

With an independent insurance broker, you are working with someone who can compare multiple insurance companies instead of showing you only one option.

With a direct company, more of the expense goes toward national advertising and centralized marketing. The overall cost is often very similar, but the service experience is completely different.

For standard personal insurance like home and auto, you typically do not pay extra to work with an independent agent. The insurance company generally pays the commission. Some commercial, specialty, or surplus lines policies may include disclosed service or policy fees depending on the placement.

Three Ways to Buy Insurance

Independent, Captive, and Direct Agents - How they get Paid

Follow the Money

Who pays the agent in each model?

✓

Independent agent
Paid by the insurance company. Shops 10 to 80+ companies for you. You pay the same premium. No extra fee.

Captive agent (State Farm, Allstate)
Paid by their one company through salary and commission. You pay the same premium. But you only see or have one option.

Direct online (GEICO, Lemonade)
No agent. The money that would go to an agent goes to advertising instead. You pay a similar premium. No one reviews your coverage or follows up at renewal.

The cost is similar across all three models. What you get for it is not

Already convinced? Call us at (904) 268-3106 or start a quote online. Home, auto, or business. No extra cost. No obligation.

Why It Matters

Why an Independent Agent Is Incentivized to Find You the Best Rate

Here is something most people do not think about: an independent agent only keeps your business if they keep performing.

If your rate gets too high and you find a better option somewhere else, the agent can lose the policy and the commission that comes with it.

That is why a good independent agent is naturally motivated to shop for a strong price and coverage fit. Not because they are being generous, but because that is how they earn your business year after year.

A captive agent does not have the same flexibility. They represent one company. If that company’s rate goes up, they cannot move you to another insurance company.

A direct company usually puts the shopping responsibility on you. Your policy auto-renews like any other. The difference is no one is reviewing it for you, comparing it to the rest of the market, or catching the gaps when your life changes. New car, new driver, home renovation, side business — those all change your coverage needs. With a direct company, your policy does not know.

That is one of the biggest advantages of working with an independent agency: when the market changes, you have someone who can look across multiple companies instead of starting over on your own.

For the full comparison of how independent and captive agents work differently: Independent Agent vs. State Farm: Which Is Better for Jacksonville Homeowners?

Want to See What 80+ Companies Would Charge You?

Home, auto, or business. No extra cost. No obligation. Most quotes come back the same day.

Call (904) 268-3106 Compare Your Rate Across 80+ Companies Augustyniak Insurance Group · 80+ companies · 2,250+ reviews

The Bottom Line

The Question Is Not Whether You Pay an Agent. It Is Whether an Agent Is Working for You.

Every insurance transaction involves a cost to acquire and service the customer. In every model, that cost is built into the premium. You are already paying for it.

The only choice you have is where that money goes. It can go to someone who shops your rate, reviews your coverage, and picks up the phone when you have a problem. Or it can go to a Super Bowl commercial. If you want the first option, call (904) 268-3106.

For the complete guide to choosing the right agency: How to Choose the Best Insurance Agency in Jacksonville, FL.

FAQ

Frequently Asked Questions

Does it cost more to use an independent insurance agent?

No. Your premium is the same. The insurance company pays the agent a commission from its operating budget. You do not pay anything extra for the agent's service.

Do independent agents charge fees?

Most independent agents, including our agency, do not charge fees for quoting or placing personal insurance policies like home and auto. Some agencies charge fees for certain commercial or specialty policies, but they are required to disclose that upfront.

Why would an insurance company pay an agent's commission?

Because it is cheaper than the alternative. Direct companies spend billions on advertising to acquire customers. Paying agents a commission is a more cost-effective way for many companies to reach customers, especially in complex markets like Florida where local expertise matters.

Is buying insurance directly online cheaper?

Not necessarily. Skipping the agent does not typically lower your premium. Direct companies save on agent commissions but spend heavily on advertising. Those costs are built into your rate.

In our experience, the rates from direct companies are often comparable to or higher than what an independent agent can find by comparing multiple options.

Does not using an insurance agent lower your premium?

No. The commission an agent earns comes from the insurance company's operating budget, not from a surcharge on your premium. When you buy direct, that money goes to advertising instead. Your rate stays about the same either way.

How does my agent make money if I switch to a cheaper company?

The agent earns a commission from whichever company you end up with. If they move you to a company that saves you $500 per year, they earn a commission on the new, lower premium. They earn less per policy, but they keep you as a client. Good agents prioritize the long-term relationship.

Get Your Quote

Compare Your Jacksonville Insurance Now

Whether you need home, auto, or business insurance, fill out the form below and our team will compare your options across 80+ companies. No extra cost. Most quotes come back the same day.

Prefer to Talk to a Person?

Our team is here Monday through Friday, 8:30 AM to 5:00 PM. Real people who understand Florida insurance.

Call (904) 268-3106 Augustyniak Insurance Group · 12058 San Jose Blvd, Jacksonville FL

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Before joining Augustyniak Insurance Group in 2008, Susan spent nine years at Nationwide Insurance as a commercial underwriter, large loss property claims adjuster, and sales manager. She holds a Florida 2-20 General Lines Agent license and helps Jacksonville homeowners navigate coverage decisions across Duval, St. Johns, Clay, and Nassau counties. Published May 2026.

Read the full article at www.weshopinsurance.com

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