Affordable business insurance
We compare options across 150+ insurance carriers to find the best protection at the best price. And because we also manage payroll and workers comp, you get a streamlined experience that saves time, reduces errors, and keeps your business fully protected.
Insurance + Payroll + Workers Comp
= Bigger Savings
Fewer administrative tasks.
More accurate premiums.
Fewer coverage gaps.
Organized documentation.
Easier audits.
Lower overall costs.
Why Business Insurance Matters
Your business faces real risks every day. Insurance protects you from unexpected costs, financial loss, and legal exposure.
ClearPalm helps you secure coverage that protects:
Your employees.
Your equipment.
Your property.
Your company vehicles.
Your tools and materials.
Your clients and contracts.
Your financial stability.
With the right policies in place, you can operate confidently—no matter what the day brings.
Comprehensive Coverage Designed to Protect Your Business
General Liability
Protects your business from third-party claims related to bodily injury, property damage, and everyday operational risks.
Commercial Auto
Covers company-owned vehicles, drivers, and accidents related to business transportation and daily operations.
Workers Comp
Provides coverage for employee work-related injuries while helping businesses stay compliant with state requirements.
Cyber
Helps protect your business from data breaches, cyberattacks, and digital security-related risks.
Inland Marine
Protects tools, equipment, and materials while they are transported, stored, or used off-site.
Property
Covers buildings, equipment, and physical assets against damage from covered losses and events.
Umbrella
Adds an extra layer of liability protection beyond standard policy limits for increased financial security.
Professional Liability
Protects against claims related to professional errors, negligence, or failure to deliver services.
Bonds
Guarantees compliance with contractual and regulatory obligations, helping build trust with clients and authorities.
Industries We Serve
We take the time to understand how your business operates and deliver services aligned with your specific needs.
Healthcare and Medical
Construction & Contracting
Retail & E-Commerce
Food & Hospitality
Wholesale & Manufacturing
Professional Office
Real Estate
Transportation
Technology & Software
Other Industries
What Makes ClearPalm Different
A Client-first approach built on experience, trust, & real results.
Affordable
Bundled solutions designed to lower your overall business costs while simplifying your monthly expenses—without sacrificing quality or support.
All-in-One
Payroll, workers’ comp, insurance, HR tools, and bookkeeping—fully integrated and managed together to save time and improve efficiency.
Family-Owned
Real people, real support, and real relationships. We care about your business because we build long-term partnerships, not transactions.
Trusted Across Florida
Businesses across Florida rely on us for consistent, accurate service backed by a team with 35+ years of combined industry experience.
Real Results That Make a Difference
We Reduce up to
40%
in payroll administrative time
We Save businesses an average of
$4,800
in payroll fees, each year!
We Bundle your insurance to save
$7,200
on average
Based on ClearPalm client data.
Trusted by Florida Business Owners
See what our clients say.
EXCELLENTTrustindex verifies that the original source of the review is Google. Have been doing our payroll for 9+ years, excellent customer service from Gus and the team!Posted onTrustindex verifies that the original source of the review is Google. We’re a family owned business and needed an emergency bond on a Saturday. They were kind enough to answer when they were off and rushed us a bond immediately. They were super responsive and could have not been more professional and expedient. I would use them for any Bond recommendation. Highly recommend! Great business!!!Posted onTrustindex verifies that the original source of the review is Google. ⭐️⭐️⭐️⭐️⭐️ Thank you Gus so much for everything you all do! We truly appreciate all the help and support from the entire Clear Palm Inc team. Communication is always so easy and our questions are answered quickly and with care. We always feel valued and well taken care of — your family-style service really makes a difference!Posted onTrustindex verifies that the original source of the review is Google. Gus is fantastic! Outstanding service—very responsive and knowledgeable. They found the best rates for our coverage and made the whole process simple and stress-free.Posted onTrustindex verifies that the original source of the review is Google. Working with Gus gave me a feeling of confidence. He understood what I needed and was a great person to talk with. He assisted me with everything feom beginningto end. The service he provided was a top tier experience I will be referring him to my family and friends!Posted onTrustindex verifies that the original source of the review is Google. Professional, very knoledgeable, very efficient. Thank you Gus for making it super easy for me. Ildiko VargaPosted onTrustindex verifies that the original source of the review is Google. Absolutely Phenomenal Service! Phone to completion was less than an hour! Very impressed and will be using them going forward and referring them to our other associates in the Pool industry!!!Posted onTrustindex verifies that the original source of the review is Google. Jose and Estrella were amazing!! They were very detailed and quick with all threir work and services!!!Posted onTrustindex verifies that the original source of the review is Google. I had a fantastic experience working with Gus at Clearpalm. He was incredibly helpful throughout the entire process—knowledgeable, patient, and always quick to respond to my questions. Insurance & Payroll can be confusing, but Gus made everything easy to understand. Highly recommend him and the team at Clearpalm!Posted onTrustindex verifies that the original source of the review is Google. Always available for support, and platform is very user friendly if only I could remember my password lol
Frequently Asked Questions
A surety bond is a legally binding agreement between three parties:
- The principal (the party who needs the bond),
- The obligee (the party requiring the bond, usually a government agency), and
The surety (the bonding company providing the financial guarantee).
It ensures that the principal will fulfill certain obligations. If they don’t, the surety may cover losses up to the bond amount.
Surety bonds are often required for:
- Contractors working on public construction projects
- Businesses applying for licenses or permits (e.g., auto dealers, mortgage brokers, notaries)
- Court cases involving fiduciary responsibilities
- Individuals handling large estates or trusts
Insurance protects the policyholder, while a surety bond protects the obligee (third party).
If a claim is paid on a surety bond, the principal is required to repay the surety for the amount covered.
Bond premiums typically range from 1% to 10% of the total bond amount, depending on the applicant’s:
- Credit score
- Business experience
- Financial strength
High-risk applicants may pay more.
If the obligee files a valid claim and the principal doesn’t resolve it, the surety may pay the claim. The surety will then pursue the principal for reimbursement.
Claims can damage your credit and ability to get future bonds.
No. The premium is a non-refundable fee for the surety company’s risk and service, even if no claims are made.
Yes, most businesses do. Florida requires coverage at 4+ employees (including officers), 1+ in construction, and 6+ regular or 12+ seasonal in agriculture. A 3-person office may not need it yet; a 1-person construction crew usually does.
It is a criminal offense. Penalties: stop-work order, $1,000/day fines, and personal liability for injuries. Florida actively investigates non-compliance.
Corporate officers in non-construction may file an exemption with the state. Construction officers may also file but rules are stricter. Sole proprietors are generally not required to cover themselves.
Yes, they can. In Florida, uninsured subcontractors may be treated as your employees for WC purposes if they lack their own coverage or valid exemption. Common in construction.
Three factors: industry classification code, total payroll, and your EMR. An EMR above 1.0 means worse-than-average claims history. ClearPalm helps lower premiums through accurate classification and EMR improvement.
A score from NCCI comparing your claims history to peers. 1.0 is average. Below = fewer claims = lower premiums. Above = higher premiums. ClearPalm helps improve it through safety programs.
Premiums tied to actual payroll each pay period instead of a large upfront deposit. Improves cash flow and reduces year-end audit adjustments. Available through ClearPalm’s payroll-integrated model.
Actual payroll exceeding your estimate, or misclassified employees. ClearPalm’s payroll integration keeps estimates accurate all year.
Same provider manages payroll and WC, so premiums are calculated on real data each period. Year-end audit finds little difference. Fewer surprises.
Contact your broker. Wrong codes cause overpayment or compliance issues. ClearPalm reviews codes at onboarding and each renewal.
Report to the carrier within 7 days. The carrier investigates, authorizes treatment, and manages the claim. ClearPalm assists with reporting and coordination.
At minimum, general liability and workers’ comp (if you meet employee thresholds). Beyond that: commercial auto, property, professional liability, cyber, inland marine, and umbrella depending on industry. ClearPalm recommends the right mix.
Most common gaps: no cyber liability, insufficient umbrella, missing inland marine for off-site tools, and WC based on outdated payroll estimates. A free ClearPalm policy review identifies your specific gaps.
Workers’ comp (1+ employee in FL construction, 4+ in most others), general liability, and potentially EPLI. ClearPalm handles insurance and payroll setup together.
Most landlords require general liability and sometimes property insurance, plus additional insured endorsement. ClearPalm issues COIs with endorsements quickly.
GL, WC (1+ employee), commercial auto, inland marine, surety bonds, and umbrella. Many GCs require subs to carry specific minimum limits.
Same business day in most cases. For urgent COIs, call 813-944-0348 directly.
Employee injuries (WC), professional errors (E&O), your own property (property insurance), or intentional acts. Knowing exclusions prevents gaps.
Strongly recommended. Any business storing SSNs, bank accounts, or processing payments is a target. Covers breach notification, legal defense, fines, and recovery.
A broker shops 150+ carriers for the best price and coverage. A direct carrier only sells its own policies. A broker advocates for you during claims.
Yes. Free policy review: examine coverage, identify gaps, recommend adjustments. No cost, no obligation.
