Florida Contractor Insurance
Florida contractor insurance helps construction businesses protect against jobsite liability, employee injuries, vehicle accidents, stolen tools, property damage, completed-operations claims, contract requirements, and other trade-specific risks.
Sun Insurance Services helps Florida contractors compare commercial insurance options from multiple carriers and coordinate coverage around the work they actually perform. For established contracting firms, we can review current policies before renewal, including changes in payroll, crews, subcontractor arrangements, vehicles, equipment, completed operations, and contract limits.
Florida Contractor Insurance Requirements
Florida DBPR requires active construction licensees to maintain minimum insurance. General and building contractors must maintain at least $300,000 in liability insurance and $50,000 in property damage insurance. Other construction categories generally must maintain at least $100,000 in liability insurance and $25,000 in property damage insurance, unless a different amount is established by board rule.
Active licensees must also maintain workers’ compensation coverage or a valid exemption when applicable.
Core Insurance Coverage for Construction Businesses
General Liability
May respond to covered third-party bodily injury, property damage, personal and advertising injury, and completed-operations claims.
Workers’ Compensation
Can provide eligible benefits after covered employee injuries and occupational illnesses. Florida construction employers generally face a one-employee threshold.
Commercial Auto
Protects business-owned trucks, vans, trailers, and other vehicles used for jobsites, materials, tools, estimates, and service calls.
Tools and Equipment
Inland marine coverage can help protect mobile tools and equipment in transit or temporarily located at jobsites.
Umbrella / Excess
Can provide additional limits above eligible underlying liability policies.
Bonds & Builders Risk
Projects may require surety bonds, builders risk, installation coverage, or other specialty protection.
Insurance by Florida Construction Trade
Roofing Contractors
Electrical Contractors
HVAC Contractors
Plumbing Contractors
What Insurers Review When Quoting a Contractor
| Factor | Why It Matters |
|---|---|
| Trade and exact operations | Carrier appetite and exclusions vary by work performed. |
| Revenue and payroll | Common rating inputs for liability and workers’ compensation. |
| Employees and subcontractors | Classifications, certificates, exemptions, and subcontractor costs affect underwriting and audits. |
| Vehicles and drivers | Commercial auto pricing depends on vehicle use, radius, drivers, and loss history. |
| Claims and prior insurance | Loss history and coverage continuity affect eligibility and pricing. |
Florida Contractor Insurance FAQ
What insurance does a Florida contractor typically need?
Florida contractors commonly review general liability, workers’ compensation, commercial auto, tools and equipment, builders risk or installation coverage, umbrella or excess liability, and bonds when required.
When is workers’ compensation required for Florida contractors?
Florida construction employers with one or more employees, including non-exempt business owners, generally must carry workers’ compensation insurance.
Can Sun Insurance Services help with certificates and contract requirements?
Yes. Sun Insurance Services can review contract insurance requirements and issue certificates for active policies when appropriate.
Insurance Renewal Reviews for Established Florida Contractors
Contractors with multiple crews, subcontractors, commercial vehicles, and larger projects may outgrow the assumptions behind their original insurance policies. Reviewing coverage before renewal helps align the program with current job types and contract requirements.
What should a growing contractor review before renewal?
Compare general liability limits and completed-operations provisions, workers’ compensation payroll and class codes, hired and non-owned auto exposure, equipment schedules, subcontractor insurance requirements, and any umbrella or excess limits requested by clients.
What information helps with a contractor insurance comparison?
Current policy declarations, renewal dates, recent loss history when available, estimated annual revenue and payroll by trade, vehicle and equipment lists, subcontractor arrangements, and sample contracts give an agent a clearer picture of your risks.
Explore Florida commercial insurance options or request a contractor insurance review.
Coordinate Your Contractor Insurance Before Renewal
When crews, trucks, subcontractors, jobsite equipment, and contracts grow, policies purchased separately can leave unanswered questions about limits, exclusions, and who is insured. Our review looks at the full account: general liability, workers’ compensation, commercial auto, tools, umbrella or excess insurance, and certificate requirements.
Review your business insurance before renewal. Request a contractor insurance review, call Scott, or text Scott.
Request a Florida Contractor Insurance Quote
Tell us about your trade, payroll, annual revenue, employees, subcontractors, vehicles, claims history, tools, projects, and contract requirements.