Blue Collar Business Solutions Made Simple
Specializing in pairing businesses with the best payroll solution for their individual situation. Also offering Worker's Comp Insurance, General Liability, Commercial Auto, and more. I will even help you start your new business!
Our Services
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At Caruthers Consulting we provide full-service payroll management designed for small and growing businesses. Our solutions include:
Accurate payroll processing and tax withholdings
Direct deposit and paycard options
Federal, state, and local tax filing & compliance
Year-end forms (W-2, 1099)
Integrated workers’ compensation and benefits reporting
We act as your payroll partner—reducing errors, saving time, and keeping you compliant so you can focus on running your business.
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Our consulting approach goes beyond advice—we act as your strategic partner. We help small and mid-sized businesses:
Evaluate and implement payroll & HR systems
Optimize workers’ compensation and insurance programs
Stay compliant with state and federal regulations
Streamline processes to improve efficiency and cost savings
Caruthers Consulting gives you the tools, guidance, and ongoing support to operate with confidence and focus on growth.
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Caruthers Consulting specializes in helping businesses secure and manage workers’ compensation coverage that balances protection and affordability. Our services include:
Access to top-rated insurance carriers
Pay-as-you-go workers’ comp options integrated with payroll
Claims support and risk management guidance
Compliance with state and federal regulations
We design solutions that reduce risk, control costs, and keep your workforce safe.
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Your vehicles are essential to your operations, and protecting them is essential to your business. Caruthers Consulting provides tailored commercial auto policies that cover:
Liability for property damage and bodily injury
Comprehensive and collision protection
Coverage for owned, leased, or employee-driven vehicles
Specialized options for fleets, trucks, and service vehicles
We connect you with the right carrier and coverage, ensuring compliance and peace of mind every time your team hits the road.
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General liability insurance is the foundation of business protection. Caruthers Consulting connects you with tailored coverage that includes:
Protection against third-party bodily injury & property damage claims
Coverage for legal defense and settlements
Product and completed-operations liability
Options for contractors, small businesses, and professional services
We make sure your business is protected against the unexpected so you can focus on growth with confidence.
Set up a complimentary consultation
Ready to take the next step in achieving your business goals? Scheduling a consulting session with us is as easy as a few clicks—let's start your journey to success today!
Who we are
Caruthers Consulting was founded with a simple mission: to make business easier for small and mid-sized companies. Led by Justin Caruthers, who brings years of experience in payroll, HR, and insurance consulting, our team combines deep industry knowledge with a personal approach that puts people first.
We partner with business owners to streamline payroll, reduce risks, and secure the right insurance solutions—including workers’ compensation, general liability, and commercial auto. By handling the details and keeping you compliant, we give you the clarity and confidence to focus on what matters most: running and growing your business.
Our Founder
Justin Caruthers
With years of experience in payroll, HR, and insurance consulting, Justin Caruthers has built a reputation for guiding business owners through complex decisions with clarity and care. His career has been dedicated to helping entrepreneurs protect their companies, streamline operations, and find solutions that save both time and money.
What sets Justin apart is his personal approach—he doesn’t just provide advice, he partners with business owners to understand their challenges and build strategies that work in the real world. His passion is seeing businesses thrive, and he founded Caruthers Consulting to bring that vision to life for small and mid-sized companies across Florida and beyond.
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Contact Us
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