Doing your own payroll:

People tell me that they love to do payroll, and it only takes a couple of minutes each week. If that's true, you may not be doing everything correctly. Please consider what timely, correct payroll processing requires:

Payroll tax returns and depositing taxes into the bank
Florida new hire reporting
Filing Florida and Federal unemployment tax returns and paying those taxes
Unemployment management: filing documents, fighting claims and appeals
Child support management: filing required documents & making child support payments
Processing garnishments and tax levy's
Employee benefit management: deductions & premium payments
Verification of employment, verification of income, etc
Making correct overtime calculations and obeying wage and hour laws
Issuing W2's to all employees at the end of the year
Verifying social security numbers with the Social Security Administration
Obtaining I9 documents from new hires to determine if they are legally able to work in the USA

Using a payroll company:

Eliminates having to estimate your payroll for the next 12 months.
Allows you to pay your premium by the week instead of by the year.
Avoids an audit so you will never owe money at the end of each policy year.
Claims will not raise your premium.
Shifts all of the burden and liability for workers compensation insurance, employee administration, payroll
        processing, payroll taxes, and government compliance from you to your payroll company (see below for
        further details about administrative fee & services).


The companies that I represent are in the "payroll company" category. They will do all of your payroll processing so they can be sure they are collecting the correct amount of workers compensation premium, and they quickly issue as many certificates as you need showing proof of coverage.

Unlike my competitors, in our program:

There is NO minimum number of employees that you are required to have and the minimum amount of
        payroll that you are required to process is only $500 weekly
You will be allowed to use as many workers’ compensation codes as you need. You will not be forced to
        run your entire payroll under your most expensive code.
You will not be forced to put up a security deposit equal to one payroll or force you to pay by cashiers
        check, even if you have perfect credit.
We will not charge you a $250-$1000 deductible on every workers compensation claim that you have. We
        pay 100% of every claim.