{"id":292,"date":"2026-10-10T21:40:28","date_gmt":"2026-10-11T01:40:28","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/contractor-insurance\/"},"modified":"2026-10-29T15:07:43","modified_gmt":"2026-10-29T19:07:43","slug":"contractor-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/contractor-insurance\/","title":{"rendered":"Seguro para contratistas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"292\" class=\"elementor elementor-292\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7696caa e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"7696caa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eef25d3 elementor-widget elementor-widget-text-editor\" data-id=\"eef25d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e0f7f4 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"0e0f7f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Contractor insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4616022 elementor-widget elementor-widget-heading\" data-id=\"4616022\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Contractor insurance in Orlando<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5797ce7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5797ce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>General contractors, roofers, electricians, plumbers, HVAC, painters, landscapers and other trades. We put together the liability, workers&#8217; comp, auto and bonds your license, clients and general contractors require.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5d3f0 elementor-widget elementor-widget-text-editor\" data-id=\"0c5d3f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=contractor\">Get a contractor quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd4c216 e-flex e-con-boxed e-con e-parent\" data-id=\"cd4c216\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8e15bfe e-flex e-con-full uia-answer e-con e-child\" data-id=\"8e15bfe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a425bf elementor-widget elementor-widget-heading\" data-id=\"4a425bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1d75e2 elementor-widget elementor-widget-text-editor\" data-id=\"c1d75e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most Florida contractors need general liability, workers&#8217; compensation, commercial auto and coverage for tools and equipment. Florida requires workers&#8217; comp for construction businesses with even one employee, and many general contractors won&#8217;t let you on a job without a certificate showing liability and comp. Larger jobs may also call for bid, performance and payment bonds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-befb341 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"befb341\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Coverage contractors usually need<\/h2><ul><li><a href=\"\/commercial-general-liability\/\"><strong>General liability<\/strong><\/a>, including completed operations for claims after the job is done<\/li><li><a href=\"\/workers-compensation-insurance\/\"><strong>Workers&#8217; compensation<\/strong><\/a>, or a valid exemption for eligible officers<\/li><li><a href=\"\/commercial-auto-insurance\/\"><strong>Commercial auto<\/strong><\/a> for trucks, vans and trailers<\/li><li><strong>Tools and equipment<\/strong> coverage on and off the job site<\/li><li><a href=\"\/surety-bonds\/\"><strong>Contractor bonds<\/strong><\/a> for licensing and projects<\/li><li><a href=\"\/builders-risk-insurance\/\"><strong>Builders risk<\/strong><\/a> for structures under construction<\/li><li>An <a href=\"\/umbrella-insurance\/\">umbrella<\/a> for higher liability limits when contracts require them<\/li><\/ul><h2>Certificates and additional insureds<\/h2><p>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&#8217;t hold up your next job.<\/p><h2>Subcontractors<\/h2><p>If you hire subs, collect their certificates of insurance or exemption. Uninsured subcontractors can end up on your workers&#8217; comp audit and raise your premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32967b3 elementor-widget elementor-widget-accordion\" data-id=\"32967b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5301\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5301\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do contractors need workers' comp in Florida?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5301\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5301\"><p>Construction businesses need workers&#8217; compensation with one or more employees. Some corporate officers can file an exemption, under specific rules. We&#8217;ll help you figure out which applies.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5302\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5302\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much general liability does a contractor need?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5302\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5302\"><p>Many contracts require $1 million per occurrence and $2 million aggregate. Check your contracts and licensing requirements, since some ask for more.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-5303\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5303\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Are my tools covered by general liability?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-5303\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5303\"><p>No. Tools and equipment need their own coverage, often called inland marine or contractor&#8217;s equipment coverage.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do contractors need workers' comp in Florida?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Construction businesses need workers&#8217; compensation with one or more employees. Some corporate officers can file an exemption, under specific rules. We&#8217;ll help you figure out which applies.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How much general liability does a contractor need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Many contracts require $1 million per occurrence and $2 million aggregate. Check your contracts and licensing requirements, since some ask for more.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Are my tools covered by general liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>No. Tools and equipment need their own coverage, often called inland marine or contractor&#8217;s equipment coverage.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96f2671 elementor-widget elementor-widget-text-editor\" data-id=\"96f2671\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-blue\" href=\"\/get-a-quote\/?coverage=contractor\">Get a contractor quote<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/commercial-quote-application\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/business-insurance\/\">All business coverage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57973c6 elementor-widget elementor-widget-html\" data-id=\"57973c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Contractor Insurance\",\"serviceType\":\"Contractor insurance\",\"description\":\"General liability, workers' compensation, commercial auto, equipment and bonds for Orlando and Florida contractors.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/contractor-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":[{\"@type\":\"City\",\"name\":\"Orlando\"},{\"@type\":\"State\",\"name\":\"Florida\"}]}<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Contractor insurance Contractor insurance in Orlando General contractors, roofers, electricians, plumbers, HVAC, painters, landscapers and other trades. We put together the liability, workers&#8217; comp, auto and bonds your license, clients and general contractors require. Get a contractor quoteCall (407) 898-1116 The short answer Most Florida contractors need general liability, workers&#8217; compensation, commercial auto and coverage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-292","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=292"}],"version-history":[{"count":4,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/292\/revisions"}],"predecessor-version":[{"id":420,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/292\/revisions\/420"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}