Running a construction business in Florida comes with risk. One accident, claim, or equipment theft can put your livelihood on the line. At Sun Insurance Services, we help contractors secure affordable, trade-specific insurance so you can focus on winning projects — not worrying about coverage gaps.
Get protected today with commercial insurance designed for construction and contracting professionals.
👉 Call or text Scott Mauldin at (407) 781-1609 for your free consultation.
Why Specialized Construction Insurance Matters
Standard business insurance policies often leave contractors exposed. Construction work involves:
- Property damage risks on job sites
- Employee injuries and falls
- Equipment theft and vandalism
- Costly project delays
Tailored commercial insurance ensures your business is protected where it matters most.
📩 Request your custom quote now — fast, local, and designed for Florida contractors.
Essential Coverage by Trade
HVAC and Air Conditioning Contractors
WC Code 5537, GL Code 95647
- Liability for property damage during installation
- Professional liability for design errors
- Equipment coverage for HVAC tools
- Pollution liability for refrigerant spills
Electrical Contractors
WC Code 5190, GL Code 92478
- Completed operations coverage
- Errors & omissions insurance
- Tools and equipment protection
- Cyber liability for smart-home projects
Plumbing Contractors
WC Code 5183, GL Codes 98483 (Residential), 98482 (Commercial)
- Water damage liability coverage
- Professional liability
- Commercial auto for service vans
- Pollution liability for sewer work
Roofing Contractors
WC Code 5551, GL Codes 987678 (Residential ≤3 stories), 98677 (Commercial/Residential ≥3 stories)
- Fall protection coverage for employees
- Liability for water intrusion
- Structural damage protection
- Property damage coverage
➡️ Don’t wait — roofing claims can be devastating. Call (407) 781-1609 to lock in protection.
Other High-Risk Construction Trades
Asphalt & Paving Contractors
WC Code 5506, GL Code 99321
- Contractor’s equipment coverage
- Public liability for road work
- Environmental liability
- Completed operations coverage
Siding & Gutter Contractors
Siding: WC Code 5645, GL Code 98967
Gutter: WC Code 5538, GL Code 99984
- Fall protection liability
- Weather-delay coverage
- Material & supply coverage
- Workmanship warranty protection
Drywall Contractors
WC Code 5445, GL Code 92338
- Dust and debris liability
- Water damage protection
- Tool coverage
- Completed operations liability
Painters
WC Code 5474, GL Codes 98305 (Interior), 98304 (Exterior)
- Pollution liability for paint fumes
- Property damage coverage
- Professional liability for color accuracy
- Equipment and supplies coverage
Flooring Contractors
WC Codes 5437 (Hardwood), 5478 (Carpet/Vinyl), 5348 (Tile/Stone)
GL Codes 94569 (Non-tile/stone), 99746 (Stone/Ceramic Tile)
- Installation error coverage
- Moisture damage liability
- High-value materials protection
- Subcontractor default insurance
Specialized Construction Services
Excavation & Grading
WC Code 6217, GL Code 94007
- Heavy equipment insurance
- Underground utility damage
- Environmental liability
- Excess liability
Masonry
WC Code 5022, GL Code 97447
- Structural liability
- Materials coverage
- Completed operations insurance
- Weather-related delay protection
Iron & Steel Contractors
WC Codes 3040 (Non-structural), 3041 (Decorative)
GL Codes 97653 (Non-structural), 97650 (Decorative)
- Structural collapse coverage
- Welding liability
- Heavy equipment coverage
- Professional liability
Beyond Liability: Must-Have Coverage
Workers’ Compensation (Required in Florida)
Protect your employees — and stay compliant with Florida law.
Commercial Auto Insurance
Cover service trucks, vans, and equipment transport vehicles.
Surety Bonds
Win bids and meet project requirements with bid, performance, and payment bonds.
Why Contractors Across Florida Choose Sun Insurance Services
- Florida-based expertise — we know local risks and regulations
- Dedicated support — real people, not call centers
- Tailored policies — no generic coverage, only what fits your trade
- Fast quotes — get covered without losing project time
✅ Don’t let inadequate coverage cost you jobs. Call or text Scott Mauldin at (407) 781-1609 for a fast, no-pressure consultation.
Protect Your Construction Business Today
The right insurance doesn’t just satisfy requirements — it keeps your business running when things go wrong.
📞 Call or text (407) 781-1609
📧 Or complete our quick quote form to get started now.
Your projects, your employees, your reputation — all protected with Sun Insurance Services.
Coverage cannot be bound or changed via email and is not effective until confirmed directly with a licensed agent.