Plans

Contractors can keep one complete policy file and share it with their agent. Agency plans cover larger books and add the exports, digests, API and book-wide views reviewers ask for.

Flora is built first for workers’ compensation. That is the “WC” in florawc.com, and the annual WC premium audit is the deadline Flora was made for. The same file keeps the rest of your coverage paperwork organized too.

New accounts start on a 14-day free trial with Core features (up to 25 policies, 2 seats and 100 documents per policy). The $29 Contractor plan is the paid path after trial for a contractor who needs one ongoing policy file.

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Flora is an AI-native data vendor for insurance. We report the evidence; carriers make every coverage decision.

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Flora is a data vendor, not an insurer, agent, or underwriter. Flora reports evidence-backed observations; the carrier makes every coverage decision. Flora does not price, issue, place, or end insurance coverage and does not recommend coverage decisions. Nothing on this site is an offer of insurance, an insurance application, or a coverage recommendation.

For agents

Plans for teams managing and reviewing books of contractor policies.

Financing is coming soon — monthly, semi-monthly, biweekly, quarterly, seasonal, and other schedules.

Basic

For agencies starting with a small book of contractor policies.

$891.00 / year

Policies
50 policies
Seats
2 seats
Documents per policy
25 documents per policy
  • Verification calls with a written summary and scope note
  • Audit checklist for every policy
  • Document uploads with quality checks
  • Readiness score with its reasons
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Core

Most chosen

For a growing agency or small office that reviewers ask for exports from.

$2,241.00 / year

Policies
100 policies
Seats
10 seats
Documents per policy
100 documents per policy
  • Everything in Basic
  • CSV export of the book
  • Premium addition alerts digest: growth signals across the book
  • Append-only audit trail per policy
  • JSON API access for your own systems
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Elite

For small agencies and agent offices watching many policies at once.

$3,591.00 / year

Policies
500 policies
Seats
50 seats
Documents per policy
Unlimited documents per policy
  • Everything in Core
  • Book-wide filters by class, state and score
  • Multi-policy dashboards
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Enterprise

For carriers, MGAs and programs with their own data terms.

Negotiated

Policies
Unlimited policies
Seats
Unlimited seats
Documents per policy
Unlimited documents per policy
  • Everything in Elite
  • Custom data agreements
  • Dedicated support
  • Negotiated terms
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Payments are processed securely by Stripe. Depending on your device, checkout may offer card, Apple Pay, and other supported payment methods. You will be returned to Flora after paying, and your account will activate here automatically after payment confirmation.

This application does not collect, store, or process card numbers or bank details.

Disclaimer. Flora is a data vendor, not an insurer, agent, or underwriter. Flora reports evidence-backed observations; the carrier makes every coverage decision. Flora does not price, issue, place, or end insurance coverage and does not recommend coverage decisions. Nothing on this site is an offer of insurance, an insurance application, or a coverage recommendation.

Disclosure. Flora flags premium additions and may earn a finance spread if the insured chooses to finance the endorsement. Alert fees are priced on premium actually added, not on alerts sent. Financing is offered separately and only where Flora is licensed or confirmed exempt.