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- FL Agency License L016633
Contractor insurance
General contractors, roofers, electricians, plumbers, HVAC, painters, landscapers and other trades. We put together the liability, workers’ comp, auto and bonds your license, clients and general contractors require.
The short answer
Most Florida contractors need general liability, workers’ compensation, commercial auto and coverage for tools and equipment. Florida requires workers’ comp for construction businesses with even one employee, and many general contractors won’t let you on a job without a certificate showing liability and comp. Larger jobs may also call for bid, performance and payment bonds.
General contractors and property owners often require you to name them as additional insureds and send a certificate before you start. We handle those quickly, so paperwork doesn’t hold up your next job.
If you hire subs, collect their certificates of insurance or exemption. Uninsured subcontractors can end up on your workers’ comp audit and raise your premium.
Construction businesses need workers’ compensation with one or more employees. Some corporate officers can file an exemption, under specific rules. We’ll help you figure out which applies.
Many contracts require $1 million per occurrence and $2 million aggregate. Check your contracts and licensing requirements, since some ask for more.
No. Tools and equipment need their own coverage, often called inland marine or contractor’s equipment coverage.
