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Let’s Get Nerdy: Inside Tips on Florida’s Workers’ Compensation With a Dose of PEOs


Though rates are set by the state and coverage is statutory, workers’ compensation insurance is complex. Florida laws and rules add confusion and seemingly counterintuitive instructions, and Professional Employer Organizations (PEOs) continue to influence the market. Agents who understand this complex line will gain a sustainable, competitive advantage in the marketplace.

Frank Pennachio, Principal, Oceanus Partners, Resource Pro Company

Frank Pennachio has more than 30 years of experience in the insurance industry as an agency owner and producer. In 2009, he sold his agency and co-founded Oceanus Partners with Susan Toussaint. Today, he is a full-time trainer and consultant to independent insurance agents, insurance carriers, agent associations, and technology companies with “agent as customer.” Recognized as a thought leader in the industry, Frank regularly speaks at conferences and his articles are published by national and regional trade publications.


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