Workers Compensation
As a self-insured fund, we operate differently from traditional insurance carriers. Our members pool resources to cover each other’s risk, giving you access to real savings, faster support, and stronger returns.
More than coverage, this is partnership. With BrightFund, you get:
Members receive annual dividend returns
Reduce claims and stay compliant
We know your business because we live it
When something happens, we act fast
Serving Florida since 1955
Because supporting licensed contractors is what we do
We’re more than a workers compensation provider, we’re a dedicated partner in every part of your protection plan. From smart underwriting to claims support, from safety consultations to certificate processing, we offer practical, trade-focused services that help your business run smoother, safer, and more confidently.
In our experience, one-size does not fit all. Our underwriting process is designed to assess your unique risks based on the real work you do. We take the time to understand your operation, providing fair, customized quotes based on actual payroll and job site realities. It’s how we help ensure long-term stability for your business and our fund as a whole.
Working with subcontractors? We’ll help you manage liability without the stress. BrightFund provides guidance on certificate verification, subcontractor insurance requirements, and how to structure your contracts for protection. You get peace of mind knowing your business is covered from all angles.
Accidents happen. And when they do, our claims team is already in motion. We pride ourselves on fast, transparent communication, compassionate support, and strategic claims handling that minimizes both downtime and cost. From initial report to final resolution, we’re with you every step of the way.
Your safety is our priority. With a team of full-time Safety Advisors, BrightFund offers on-the-ground guidance to help reduce risk and prevent injuries. We conduct job site inspections, provide OSHA-compliant resources, and assist with building a culture of safety across your team. Fewer incidents mean fewer claims and bigger dividends for everyone.
Need proof of coverage for a client or licensing board? We make it easy to request and receive your Certificate of Insurance. Submit a simple online form, and we’ll handle the rest, usually within 24 hours. Quick, reliable, and stress-free documentation support for every trade we serve.
BrightFund members don’t just get insurance, they get a partner in protection, compliance, and long-term savings.
We return unused premiums to our members. It’s that simple. Over the past decade, BrightFund has paid out millions in dividends. Because protecting your business shouldn’t come at the expense of growing it.
With strong safety programs and hands-on claims support, we’ve returned an average of $6.15 million in dividends to our members over the past 10 years!
DIVIDENDS RETURNED SINCE 1990
