The Reynolds family history in Florida worker’s compensation dates to when the first law was created. In 1935, prior to opening Morris & Reynolds Insurance, our founder, E.H. Reynolds, authored Florida’s first worker’s compensation law. Although much of the original law is in place to this day, the tools and techniques we employ to obtain coverage as well as to manage costs for our clients have changed dramatically.

Workers Compensation Insurance is required by law in most states when you have W2 employees. In some states the requirement may include that you cover your 1099 contractors. Part “A” of a Workers’ Compensation policy is typically called Worker’s Compensation and provides benefits as set by your state legislature for your employees’ medical, disability and death expenses related to work-related illness and on-the-job injuries. In some states, owners, officers, partners and other principals can decline to participate in their own companies’ workers’ compensation coverage by filing an exception or exclusion form with their state.

Part “B” of a Worker’s Compensation policy provides Employers Liability coverage which protects your company should an employee claim that his or her injury or illness was caused by your company’s negligence or failure to provide a safe workplace. The basic limit for Employer’s Liability coverage is often $ 100,000 per accident for bodily injury by accident; $500,000 policy limit by disease; and $100,000 per employee for bodily injury by disease. For businesses that carry a Liability Umbrella or Excess policy it is important to note that it is important to know that in order for your Umbrella to ‘follow’ your Employer’s Liability limit, assuming your insurer will provide Excess Employer’s Liability, without a gap in coverage that higher limits than the basic ones will be needed, most typically $500,000 per accident for bodily injury by accident; $500,000 policy limit by disease; and $500,000 per employee for bodily injury by disease or even $ 1,000,000.00 limits.

Our work begins with gaining a complete understanding of all aspects of our client’s business as well as the job functions of each of its employees. We then approach the entire market of insurers we represent and seek all viable coverage options from Guaranteed Cost, Dividend, Retrospective Rating to Self Insurance. Once coverage is written our service and solutions accelerate as we offer and arrange Loss Control, Claims Management and Auditing Services as well as a range of tools to assist you with the evolution of your business.


When Morris & Reynolds writes you Workers Compensation policies, we deliver more than just a policy; we offer a range of value added services, including:


1. Conduct Premium Audit Calculation On-Site At Your Office or Ours
2. Organization of Payroll and Related Data in Preparation of Premium Audit
3. Review Final Audit For Accuracy

1. Availability of Bundled & Un-Bundled Payroll & Leasing Related Services
2. Evaluate Benefits, Problem Areas and Costs of Employee Leasing Programs
3. Implementation of Payroll Processing and/or Employee Leasing Programs


1. Classification Analysis & Consulting
2. Confirm Unit Statistical Card Data
3. Coinsurance Options Evaluation
4. Deductible Options Evaluation
5. Drug Free Workplace Plans
6. Experience Modification Audits
7. FCCPAP Credit Application
8. Monitor Reserves Until Claim Closure For Accuracy & Cost Reduction Opportunities
9. Occupational Claims Management & On-Going Progress Reports
10. Payroll and Claim Reserve Verification
11. Reserve Activities & Accuracy Review and Monitoring
12. Safety Program Plan Implementation


1. Analysis of Ownership and Entities
2. Analysis and Management of Independent Contractor Exposure
3. Employer Liability Coverage Review
4. Officer and Partner Exclusion Election
5. Worker’s Comp Coverage Details


1. Application For Employment And Conditional Hire Form
2. Interviewing Guidelines
3. Pre-employment Screening Testing
4. Safety Program Manual
5. Vehicle Maintenance & Use Policies


Business insurance is our business. When it comes to your coverage and the risks your enterprise and people face we treat your business as if it were our very own. At Morris & Reynolds we offer a unique, hands on, passionate relationship with our clients that in most cases last decades because of the reliable, results oriented, solutions we provide from year to year. Some of the benefits of our business insurance work for our clients include;


Morris & Reynolds represents and has access to the entire market of leading insurers for all of the risks our business insurance client face. Many of our relationships with major insurers span decades and in some cases date to the founding of our firm in the 1950’s. We also take pride in representing cutting edge and emerging insurers from around the globe to structure the coverage, limits and costs you need and deserve.


Our dedicated professional people are your consultants, problem solvers and partners. We help assess your needs, evaluate solutions and suggest alternatives for your organization. We build a high level of familiarity with your company so we can offer the insights that satisfy your changing risk-financing needs. Some of our products and services include:

  • Alternative Risk Financing, including Captives and Risk-Sharing Pools
  • Claims Management & Administration
  • General Property and Casualty Insurance
  • Group Health Insurance & Employee Benefit’s
  • Malpractice and Errors & Omissions
  • Pension & Retirement Plans
  • Professional Liability including Directors and Officers and Employment Practices
  • Risk Management & Loss Control Services
  • Workers Compensation and Employers Liability


Your protection, goals and bottom line are our sole focus. The coverage and costs that we negotiate, in fact all we do, is focused on your protection needs, goals and bottom line. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference but our clients’ goals, dreams and desires. Always.


Insurance is more than a legal contract, it’s your peace of mind. At Morris & Reynolds Insurance we take your protection, and peace of mind, to heart in all we do from the coverage we structure, the insurers we suggest and the day to day service and care we provide to our clients. When you need us most, we will always be there.


At Morris & Reynolds Insurance our clients receive the best of both worlds. We are well known for our ‘old fashioned, reliable and responsive service that dates to the founding of our agency in 1950. We are also known for employing cutting edge technology and offering the latest in coverage innovations and ideas to serve our clients’ ever evolving needs. Services such as The Protection Portal, Morris & Reynolds MyWave and the Morris & Reynolds Risk Management & Loss Prevention Services are just a few examples of our forward thinking approach to service.


Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in insurance, is unique to Morris & Reynolds Insurance. In order to offer our client’s the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.


Every day we work to provide you with the very best coverage, care and solutions available. Our extensive range of professional services, designed to manage your risk and make you and your business more efficient, include:


Businesses change and evolve. Because of this, Morris & Reynolds conducts annual audits of your coverage and the exposures, risks and facts that your insurance is based upon. Working many months in advance of your renewal, we ensure that the coverage and exposures are current so that your renewal will progress as your business does.


Coverage such as workers compensation and general liability are based on estimated exposures that are then audited by the insurer after the policy year ends. Our team of experts is available to assist in the preparation of your audit or even conduct the audit with the insurer for you, to save you time and money.


We place an extreme emphasis on your claims. Morris & Reynolds employs licensed, professional insurance adjusters that manage your claims all year long with state of the art automation. Your assigned Claims Manager at Morris & Reynolds is your expert advocate, dedicated to resolving claims quickly and fairly. Whether it is a simple auto claim, a major fire, a devastating hurricane or a complex lawsuit, we will be right next to you doing our best to support you during what we know can be a traumatic time.


Morris & Reynolds represents hundreds of the world’s leading insurers, brokers, wholesalers, reinsurers and alternative risk related firms in the industry. As your agent, we aggressively seek solutions from all leading insurers in the marketplace and negotiate one insurer against another to arrange the best possible coverage and cost for you.


Protecting your business and bottom line through risk management and loss control can have a dramatic impact in lowering your insurance costs and risk related expenses. The risks that you face can come from a variety of sources including project failures, legal liabilities, natural disasters and even deliberate attacks. We proudly offer you best in class risk management and loss control that can help identify, control and manage the risks you face.


Success in reducing your risk and its associated costs are often found deep in the details of your coverage, claims and business. For this reason, Morris & Reynolds provides a range of detailed stewardship reports and analysis related to your coverage, options, performance, claims and other risk related metrics that are useful in constructing your Protection Plan and managing your risks.


Morris & Reynolds’ MyWave is a truly dynamic internet-based portal that delivers robust, time saving tools and information related to employee benefits, human resources and risk management. Simply log on to your customized homepage to find valuable detailed information as well as interactive postings.

Reporting-Work-Comp-Claims Reporting Workers’ Compensation Claims »
Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone.
Workers’ Compensation in 2011 »
In 2003, Florida employers paid the highest workers’ compensation premiums in the nation. Today, the state’s workers’ comp premiums are among the lowest.
Ways to Reduce Your Workers’ Compensation Cost »
There are three premium credit programs available to help Florida employers reduce their workers’ compensation insurance costs. These are the Safety Program Credit, Drug Free Credit and Florida Contracting Premium Adjustment Program.
The Good, The Bad, The Ugly »
The National Council on Compensation Insurance (NCCI)recently release its findings pn the results for the year 2000.
Healthy Employees Mean Lower Work Comp Cost »
There is very little new information regarding how to lower a company’s workers compensation costs. However, the latest information from a study by the University of Michigan’s Health Management Research Center should provide some eye-opening data.
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14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643

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