Frequently Asked Questions

We’re excited to let you know that our setup fee is absolutely $0! And when it comes to our contract, you won’t have to deal with any frustrating agreements here. Unlike many payroll companies that can hit you with hefty setup fees and strict contract penalties if you want to switch providers or happen to miss a payroll week, we believe in keeping things simple and fair. We've happily eliminated those unfavorable practices that are all too common in the traditional payroll industry!
Reporting your hours is super easy! You’ve got some great options: feel free to call, email, text, or log into our software and enter your hours. We really encourage you to log in to enjoy all the fantastic features our software offers!
No, never. Our online platform lets you view customizable reports, select specific payroll periods, access historical reports, and retrieve your official tax documents, including your RT-6, 941s, previous W-2s, and more.

Yes! We have excellent programs that will provide general and liquor liability coverage in one policy. By covering both exposures on one policy, you can avoid paying two down payments and reduce your composite sales rate, aka your annual premium.
Yes! This is indeed our largest client base. Our policies will include blanket endorsement forms and can accommodate tract home work. We can provide ample coverage for the biggest builders in the United States, including some of the largest tract home builders, such as D.R. Horton, David Weekley Homes, Beazer Homes, and more. For structural contractors, these builders may sometimes require that “subsidence” is not excluded – we can handle this for you. We have several excellent brokerages that can provide this on “A” rated paper.
Yes! If we provide your payroll and insurance, we will help with your audits. All you have to do is send us the auditor's requested checklist, and we will provide everything he or she needs in our organized audit packet. This will reduce your time completing audits and ensure more accuracy, reducing your audit exposure.

Clearpalm Inc. can provide all business insurance, life & health, personal insurance, and more. We specialize in business auto, general liability, builders’ risk, equipment policies, property insurance, workers compensation, Umbrella or excess liability, homeowners, flood insurance, group health, life insurance, and even provide EPLI.
Clearpalm Inc. has exclusive pay-as-you-go payment plans with insurance companies that we represent, allowing us to reduce your workers' compensation down payment to $0. Other payment options include 12 equal installments, 10% with 10 payments, 15% with 9 and more much. For those excess and surplus lines policies, we have partnered with the best finance companies in the United States to reduce the traditional 25% down to 15%.
You can always email us or we can create an online portal for your company to generate the Certificates of Insurance yourself. No more waiting for an email from an agent, just log in, complete the Certificate Holder section and email the Certificate from there. Also, our agency management system will automatically send out Certificates on renewal.

Homeowners rates have increased, but is your current agent just sending you a simple renewal? If so, it's time to let us shop your homeowner’s policy for you. We will market your policy to all our insurance companies, providing the best policy/price combination possible.
Technically no, but an important topic we like to bring up is that homeowners policies exclude flood damage, and they will even exclude flood/water damage from a hurricane. A lot of Floridians are not aware of this, but when a hurricane causes water damage, the homeowners policy will not cover it. That is why a flood policy is so important.
All we do is collect minimal information from you, place it in our flood rater and let tens of companies compete for your business. Within minutes, we will have all of the flood quotes back and provide you with the best possible price for your home’s flood coverage.

FAQ