ClearPalm, Inc.

ClearPalm is a Tampa-based business services company that brings payroll, workers' compensation, business insurance, and 401(k) administration together under one local team. For Florida businesses that have been splitting these functions across multiple vendors, the consolidated model reduces the number of contacts to manage, eliminates the gaps that come from fragmented providers, and puts a single knowledgeable team responsible for the full picture. The service lineup covers the core back-office and compliance needs most small businesses struggle to coordinate on their own. Payroll includes full-service processing, tax filings, employee onboarding, and self-service portals. On the insurance side, ClearPalm handles workers' compensation, commercial auto, general liability, property coverage including hurricane and flood protection, and specialty lines like fidelity bonds. Time and attendance services add biometric clock-in, real-time labor reporting, and overtime controls that feed directly into payroll to reduce errors. Businesses that want to offer retirement benefits can add 401(k) support through the same account team. ClearPalm primarily works with small and mid-sized Florida businesses ranging from a handful of employees up to over a hundred. The company serves clients across construction and contracting, healthcare and medical practices, food service and hospitality, retail, wholesale and manufacturing, professional offices, real estate, transportation, and technology. The typical client has been managing two to four separate vendor relationships for these functions and wants to consolidate without giving up ownership of their own employer tax ID or insurance policies. Unlike a PEO arrangement, ClearPalm does not enter co-employment. Employees stay on the client's tax ID and insurance remains in the client's name. The company was incorporated in 2014, with roots tracing back to J&E Fernandez, Inc. Founded in 1985, giving the team over 40 years of combined experience in Florida business services. According to ClearPalm's own client data, businesses have cut payroll administrative time by up to 40%, saved an average of $4,800 per year in payroll fees, and reduced insurance costs by an average of $7,200 through bundling. Florida businesses looking for a single point of contact for payroll compliance, insurance coverage, and HR administration can connect with the ClearPalm team through their website to discuss a transition or start with whichever service is the most pressing need.