Protecting Employees & Employers
At ClearPalm, we help businesses navigate workers’ compensation with confidence—offering compliant coverage, clear guidance, and real support from specialists who understand regulations.
Why Choose ClearPalm for Workers’ Compensation
- Guidance on employee classification and compliance
- Customized workers’ compensation solutions
- Opportunities to bundle payroll and insurance for efficiency
- Clear communication without confusing jargon
- Ongoing support from real specialists who understand your business
Benefits of Workers’ Comp
Financial protection from workplace injury claims.
Compliance with Florida labor laws.
Reduced risk of employee lawsuits.
Improved employee trust and workplace morale.
Faster recovery and return-to-work outcomes.
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
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.
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.
