Understanding Your Workers' Compensation Policy


At WGC, we make your success our priority. In providing coverage, our goal is to give our customers the best policy for their situation at the lowest possible cost. One of the key advantages we employ is searching for every available credit as we help you decide on a workers' compensation policy. These opportunities to save reward you for smart safety decisions and offset the high cost of protecting your team from the unexpected. And we don't just mark checkboxes – our team helps you seize every opportunity to save. Some examples include credits like:

Drug-Free Workplace Credit

WCG can arrange to have a certified drug-free workplace established for our customers at no cost, reducing insurance payments.

Safety Program Credit

If you do not have an existing safety program, Workers' Compensation Group can provide a state-approved program developed for your industry at no cost.

Florida Contracting Classification Premium Adjustment Program (FCCPAP) Credit

Employers in Florida with contracting classifications and a higher average hourly rate may qualify for this additional credit ranging from 5% to 25%.

Deductible Credits

Employers can choose to add a deductible to their policy beginning at $500 with corresponding credits beginning at 1.6%.


Work with the Experts

Because we specialize in helping customers purchase workers' comp insurance, you can trust us to know all the system's ins and outs. For example, our agents verify the state-imposed Experience Modification Factor, making sure a claim revision has not been overlooked. Other services that set us apart from the competition include:

Background Checks

An employer has the right to conduct an employee background search regarding workers' compensation claims. We assist you with this process to protect your bottom line.

Safety 101

We provide assistance to our policyholders seeking to set up and implement safety regimens and programs, OSHA training and certification, and industry-specific loss control and prevention protocols.

Claims Service

All our clients receive the benefits of our agents unmatched claims handling abilities and experience, especially for claim payment, fraud investigation, settlement mediation, and subrogation liens.

Audit Service

All our clients receive WCG's unequaled hands-on help with confusing year-end audits.

Never settle when it comes to service from your insurance agency. Find out more about our unique advantages by speaking with a professional from our team today.