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.
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.
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.
Request a Florida Contractor Insurance Quote
Tell us about your trade, payroll, annual revenue, employees, subcontractors, vehicles, claims history, tools, projects, and contract requirements.
