Protecting workers since 1977

FCBI and MidSouth Insurance company deliver trusted workers' compensation solutions across Florida and the Southeast. Together we bring one unified commitment — getting workers home safe.

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A shared legacy of strength and service.

Founded in Florida in 1977. FCBI built its reputation protecting hardworking people and businesses that help build and sustain Florida. From Citrus growers and construction to retail and beyond, we've stood alongside the people whose work keeps our communities growing and everyday life moving forward. Nearly 50 years later, those roots remain an important part of who we are - and our commitment to protecting businesses and their employees continues.

MidSouth brought decades of experience and a philosophy that aligned with our own: workers' compensation is about more than policies - it's about people, relationships, and trusted partnerships. Combining our strengths and resources provides a simpler, more seamless experience for our agents and policyholders. One team. One point of service. One commitment to you.

FCBI and MidSouth side by side Feb 2026
A shared legacy of strength and service

Who We Are.

Our Mission

To Provide outstanding customer service for our agency partners and their policyholders.

Our Vision

To Be Your Trusted Partner for Workers’ Compensation.

Our Core Values

Communication, Integrity, Flexibility, Knowledge, Partnership, Fun.

We Serve the Industries
That Keep America Working.

Construction

Agriculture

General Industry

Manufacturing

Restaurants & Hospitality

Small Business