FCBI Insurance
FCBI sells business insurance in Florida.
Based in Orlando. In Florida since 1977.
Taking new business policies
Florida company code 10003, NAIC 15764.
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
Not available
No rating on file
Complaints
Not available
NAIC
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Two choices when your FCBI rate goes up
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
Is FCBI leaving Florida? No sign of it. On Oct 24, 2026 their site said they offer workers' comp across Florida, and OIR showed the fund as active. As of Nov 2, 2026. Source: fcbifund.com.
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FCBI gets their Florida license
OIR has the date. The fund got their Florida license on April 1, 1977.
Rate history
No rate filings tracked yet.
49 years in Florida
In Florida since 1977. Has paid claims through 26 hurricanes.
Compare FCBI side by side
| FCBI | State Farm | Slide | |
|---|---|---|---|
| New policies | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 475,227 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | Not available | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | Not available | A- (Excellent) AM Best | A (Exceptional) Demotech, Oct 7, 2026 |
| In Florida since | 1977 | 1934 | 2022 |
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More on our list of Florida commercial insurance companies.
Florida guides for FCBI customers
Questions people ask about FCBI
What is the FCBI claims phone number?Call 800-444-9098 and press 1.
FCBI's injury page says claims can be reported 24/7, 365 days a year. Report an injury fast, ideally within 24 hours.
What is the FCBI customer service number?Call 866-469-3224.
Their policy services team works Monday to Friday, 8 a.m. to 6 p.m. ET. Policy changes go through your agent.
What is Florida Citrus, Business & Industries Fund?FCBI is a group self insurance fund for workers' comp.
Florida citrus growers started the fund in 1977. Now they cover retail, building and many other kinds of firms. OIR lists them as active.
Source: FCBI about page and Florida OIR company search, read Oct 24, 2026
How do I pay my FCBI bill?Pay online in the FCBInow portal, or call 844-402-1038 to pay by phone.
That line is automated.
What do I need for an FCBI payroll audit?FCBI audits each policy after the term ends.
Have payroll records, ledgers, Form 941s and 1099s ready. Also have what you paid each subcontractor and their certificates of insurance or exemptions. If you skip the audit, they can cancel the policy and add fees.
Is FCBI part of MidSouth?Yes.
FCBI owns MidSouth. FCBI bought MidSouth Mutual Insurance Company in August 2024. Now the name is MidSouth Insurance Company.
FCBI reviews and complaints: what the public data shows
FCBI rating
Florida does not publish complaint or rating data for FCBI. What we do have: FCBI has been in Florida since 1977.
No star ratings and no user reviews, only public data.