{"id":1333,"date":"2025-09-25T01:35:39","date_gmt":"2025-09-25T01:35:39","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?p=1333"},"modified":"2026-08-04T13:30:30","modified_gmt":"2026-08-04T17:30:30","slug":"commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide","status":"publish","type":"post","link":"https:\/\/suninsuranceservices.com\/es\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/","title":{"rendered":"Seguros comerciales para empresas de construcci\u00f3n y contrataci\u00f3n: una gu\u00eda completa"},"content":{"rendered":"\n\n<style>\n.sun-contractor{\n  --sun-purple:#4A1A5C;\n  --sun-orange:#F59222;\n  --sun-yellow:#FFD204;\n  --sun-lavender:#8A6B95;\n  --sun-yellow-soft:#FFF9D9;\n  --sun-lavender-soft:#F6F1F7;\n  --sun-ink:#302A33;\n  --sun-muted:#6C6570;\n  --sun-border:#E8DFEA;\n  width:100%;\n  max-width:1280px;\n  margin:0 auto;\n  padding:0 20px;\n  color:var(--sun-ink);\n  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th{background:var(--sun-yellow-soft);color:var(--sun-purple)}\n.sun-contractor tr:last-child td{border-bottom:0}\n.sun-contractor details{\n  margin:10px 0;\n  padding:15px 17px;\n  background:#fff;\n  border:1px solid var(--sun-border);\n  border-radius:11px;\n}\n.sun-contractor summary{color:var(--sun-purple);font-weight:800;cursor:pointer}\n.sun-contractor details p{margin:12px 0 0}\n.sun-contractor .agent-layout{\n  display:grid;\n  grid-template-columns:minmax(0,1fr) minmax(240px,.38fr);\n  gap:28px;\n  align-items:start;\n}\n.sun-contractor .agent-card{\n  padding:24px;\n  background:#fff;\n  border:1px solid var(--sun-border);\n  border-top:5px solid var(--sun-yellow);\n  border-radius:15px;\n}\n.sun-contractor .quote-panel{\n  padding:30px;\n  background:linear-gradient(135deg,var(--sun-yellow-soft),#fff 58%,var(--sun-lavender-soft));\n  border:1px solid #EBD46C;\n  border-radius:18px;\n}\n.sun-contractor .fine-print{\n  margin:0 auto;\n  padding:20px 12px 28px;\n  color:var(--sun-muted);\n  font-size:13px;\n  text-align:center;\n}\n@media(max-width:900px){\n  .sun-contractor .hero-panel,.sun-contractor .agent-layout{grid-template-columns:1fr}\n}\n@media(max-width:700px){\n  .sun-contractor{padding:0 12px}\n  .sun-contractor section{padding:28px 18px}\n  .sun-contractor .button-row{display:grid;grid-template-columns:1fr}\n  .sun-contractor .sun-button{width:100%;text-align:center}\n  .sun-contractor .quote-panel{padding:22px 16px}\n}\n<\/style>\n\n<article class=\"sun-contractor\" id=\"florida-contractor-insurance\">\n\n<section class=\"hero\">\n  <div class=\"sun-container\">\n    <div class=\"hero-panel\">\n      <div>\n        <span class=\"eyebrow\">Florida Construction Insurance<\/span>\n<p>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.<\/p>\n        <p>Sun Insurance Services helps Florida contractors compare commercial insurance options from multiple carriers and coordinate coverage around the work they actually perform.<\/p>\n        <div class=\"button-row\">\n          <a class=\"sun-button\" href=\"#quote\">Request a Contractor Insurance Quote<\/a>\n          <a class=\"sun-button secondary\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n          <a class=\"sun-button orange\" href=\"sms:+14077811609\">Text Scott<\/a>\n        <\/div>\n      <\/div>\n      <aside class=\"quick-card\">\n        <h2>Quick Answer<\/h2>\n        <p><strong>Florida contractors commonly review general liability, workers\u2019 compensation, commercial auto, tools and equipment, commercial property, umbrella or excess liability, and bonds.<\/strong><\/p>\n        <p>Depending on the project and trade, builders risk, installation floater, pollution liability, professional liability, or cyber insurance may also be appropriate.<\/p>\n      <\/aside>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container\">\n    <div class=\"parent-link\">\n      <h2 style=\"font-size:25px;\">Part of the Florida Commercial Insurance Hub<\/h2>\n      <p>Construction insurance is one branch of a complete business insurance program. Review our <a href=\"https:\/\/suninsuranceservices.com\/business-in-florida\/?utm_source=construction_guide&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\"><strong>Florida commercial insurance guide<\/strong><\/a> for general liability, property, commercial auto, cyber, professional liability, certificates, and broader business coverage.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\">\n  <div class=\"sun-container\">\n    <h2>Florida Contractor Insurance Requirements<\/h2>\n    <p>Florida DBPR requires active construction licensees to maintain minimum insurance. General and building contractors must maintain at least <strong>$300,000 in liability insurance<\/strong> and <strong>$50,000 in property damage insurance<\/strong>. Other construction categories generally must maintain at least <strong>$100,000 in liability insurance<\/strong> and <strong>$25,000 in property damage insurance<\/strong>, unless a different amount is established by board rule.<\/p>\n    <p>Active licensees must also maintain workers\u2019 compensation coverage or a valid exemption when applicable.<\/p>\n    <p><a href=\"https:\/\/www2.myfloridalicense.com\/construction-industry\/faqs\/\" target=\"_blank\" rel=\"noopener\">Florida DBPR Construction Industry FAQ<\/a><\/p>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container\">\n    <h2>Core Insurance Coverage for Construction Businesses<\/h2>\n    <div class=\"grid\">\n      <article class=\"card yellow\"><h3>General Liability<\/h3><p>May respond to covered third-party bodily injury, property damage, personal and advertising injury, and completed-operations claims.<\/p><\/article>\n      <article class=\"card yellow\"><h3>Workers\u2019 Compensation<\/h3><p>Can provide eligible benefits after covered employee injuries and occupational illnesses. Florida construction employers generally face a one-employee threshold.<\/p><p><a href=\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/?utm_source=construction_guide&amp;utm_medium=internal_link&amp;utm_campaign=commercial_cluster\">Florida Workers\u2019 Compensation Insurance<\/a><\/p><\/article>\n      <article class=\"card yellow\"><h3>Commercial Auto<\/h3><p>Protects business-owned trucks, vans, trailers, and other vehicles used for jobsites, materials, tools, estimates, and service calls.<\/p><\/article>\n      <article class=\"card lavender\"><h3>Tools and Equipment<\/h3><p>Inland marine coverage can help protect mobile tools and equipment in transit or temporarily located at jobsites.<\/p><\/article>\n      <article class=\"card lavender\"><h3>Commercial Property<\/h3><p>Can protect eligible offices, warehouses, inventory, equipment, and business personal property kept at fixed locations.<\/p><\/article>\n      <article class=\"card lavender\"><h3>Umbrella or Excess Liability<\/h3><p>Can provide additional limits above eligible underlying liability policies when a covered claim exceeds those limits.<\/p><\/article>\n      <article class=\"card orange\"><h3>Surety Bonds<\/h3><p>Bid, performance, payment, license, or permit bonds may be required by project owners or public entities. Bonds are not liability insurance.<\/p><\/article>\n      <article class=\"card orange\"><h3>Builders Risk<\/h3><p>May protect eligible buildings and materials during new construction, renovation, or installation work.<\/p><\/article>\n      <article class=\"card orange\"><h3>Pollution or Professional Liability<\/h3><p>Some trades need additional coverage for environmental exposures, design work, consulting, or professional services.<\/p><\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\">\n  <div class=\"sun-container\">\n    <h2 class=\"center\">Insurance by Florida Construction Trade<\/h2>\n    <div class=\"grid\">\n      <article class=\"card yellow\"><h3>Roofing Contractors<\/h3><p>Roofing operations involve fall exposure, water intrusion, completed operations, subcontractors, commercial vehicles, and high-value equipment.<\/p><p><a href=\"https:\/\/suninsuranceservices.com\/florida-roofing-contractor-insurance\/?utm_source=construction_guide&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida Roofing Contractor Insurance<\/a><\/p><\/article>\n      <article class=\"card yellow\"><h3>Electrical Contractors<\/h3><p>Electrical contractors may need coverage for completed operations, property damage, commercial vehicles, tools, employees, and contract-specific endorsements.<\/p><p><a href=\"https:\/\/suninsuranceservices.com\/electrical-contractor-insurance-florida-orlando\/?utm_source=construction_guide&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida Electrical Contractor Insurance<\/a><\/p><\/article>\n      <article class=\"card lavender\"><h3>HVAC Contractors<\/h3><p>HVAC businesses may face rooftop, electrical, water-damage, installation, vehicle, employee injury, and equipment exposures.<\/p><p><a href=\"https:\/\/suninsuranceservices.com\/hvac-insurance-in-florida-protect-your-business-today\/?utm_source=construction_guide&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida HVAC Contractor Insurance<\/a><\/p><\/article>\n      <article class=\"card lavender\"><h3>Plumbing Contractors<\/h3><p>Plumbing businesses may need protection for water damage, completed operations, tools, commercial auto, pollution exposures, and employee injuries.<\/p><p><a href=\"https:\/\/suninsuranceservices.com\/plumbing-insurance-for-florida-contractors-full-guide\/?utm_source=construction_guide&amp;utm_medium=cluster_link&amp;utm_campaign=commercial_cluster\">Florida Plumbing Contractor Insurance<\/a><\/p><\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container\">\n    <h2>Workers\u2019 Compensation for Florida Contractors<\/h2>\n    <p>Florida construction employers with <strong>one or more employees<\/strong>, including non-exempt business owners, generally must carry workers\u2019 compensation insurance.<\/p>\n    <p>Contractors using subcontractors should verify required workers\u2019 compensation coverage or valid exemption documentation before work begins. Missing documentation can create compliance and premium-audit exposure.<\/p>\n    <div class=\"callout\"><strong>Contractor responsibility:<\/strong> obtain current certificates or valid exemptions before subcontractors begin work and retain the records for the workers\u2019 compensation audit.<\/div>\n    <p><a href=\"https:\/\/www.myfloridacfo.com\/division\/wc\/employer\/coverage-requirements\" target=\"_blank\" rel=\"noopener\">Florida Division of Workers\u2019 Compensation coverage requirements<\/a><\/p>\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\">\n  <div class=\"sun-container\">\n    <h2>Contract and Certificate Requirements<\/h2>\n    <p>Construction contracts often require insurance beyond Florida licensing minimums. Before signing, contractors should review requirements such as:<\/p>\n    <div class=\"grid\">\n      <article class=\"card yellow\"><h3>Liability Limits<\/h3><p>$1 million per occurrence or higher may be required by a project owner or general contractor.<\/p><\/article>\n      <article class=\"card yellow\"><h3>Additional Insured<\/h3><p>The contract may require additional insured status for ongoing and completed operations.<\/p><\/article>\n      <article class=\"card lavender\"><h3>Primary and Noncontributory<\/h3><p>This wording can affect how the contractor\u2019s policy responds relative to another party\u2019s insurance.<\/p><\/article>\n      <article class=\"card lavender\"><h3>Waiver of Subrogation<\/h3><p>A contract may require a waiver, but it must be permitted by the policy and added when available.<\/p><\/article>\n      <article class=\"card orange\"><h3>Commercial Auto and Umbrella<\/h3><p>Projects may require higher auto limits and excess liability above general liability and employer\u2019s liability.<\/p><\/article>\n      <article class=\"card orange\"><h3>Bonds<\/h3><p>Bid, performance, payment, license, or permit bonds may be required separately from insurance.<\/p><\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container\">\n    <h2>What Insurers Review When Quoting a Contractor<\/h2>\n    <div class=\"table-wrap\">\n      <table>\n        <thead><tr><th>Underwriting Factor<\/th><th>Why It Matters<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>Trade and exact operations<\/td><td>Carrier appetite and exclusions vary substantially by work performed.<\/td><\/tr>\n          <tr><td>Residential versus commercial work<\/td><td>Project type, contract size, and completed-operations exposure differ.<\/td><\/tr>\n          <tr><td>Revenue and payroll<\/td><td>These values commonly affect general liability and workers\u2019 compensation premium.<\/td><\/tr>\n          <tr><td>Employees and subcontractors<\/td><td>Classifications, certificates, exemptions, and subcontractor costs affect underwriting and audits.<\/td><\/tr>\n          <tr><td>Largest project size<\/td><td>Project values can affect limits, carrier eligibility, and contract requirements.<\/td><\/tr>\n          <tr><td>Vehicles and drivers<\/td><td>Commercial auto pricing depends on vehicle use, radius, drivers, and loss history.<\/td><\/tr>\n          <tr><td>Tools and equipment<\/td><td>Mobile property values determine inland marine coverage needs.<\/td><\/tr>\n          <tr><td>Claims and prior insurance<\/td><td>Loss history, corrective action, and coverage continuity affect eligibility and pricing.<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"soft-lavender\">\n  <div class=\"sun-container\">\n    <h2>Construction Safety and Insurance Costs<\/h2>\n    <p>Safety programs do not guarantee lower premiums, but fewer and less severe claims can improve long-term workers\u2019 compensation and liability results. Construction businesses should build procedures around their actual hazards, including fall protection, ladder safety, heat exposure, vehicle use, equipment operation, and jobsite housekeeping.<\/p>\n    <p><a href=\"https:\/\/www.osha.gov\/residential-fall-protection\/guidance\" target=\"_blank\" rel=\"noopener\">OSHA residential fall-protection guidance<\/a><\/p>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container agent-layout\">\n    <div>\n      <h2>Florida Contractor Insurance Help<\/h2>\n      <p>Scott Mauldin helps Florida contractors review liability, workers\u2019 compensation, commercial auto, tools, bonds, umbrella coverage, certificates, contract requirements, and trade-specific underwriting.<\/p>\n    <\/div>\n    <aside class=\"agent-card\">\n      <h3>Scott Mauldin<\/h3>\n      <p><strong>Commercial Insurance Agent<\/strong><\/p>\n      <p><a href=\"tel:+14077811609\">Call 407-781-1609<\/a><br><a href=\"sms:+14077811609\">Text Scott<\/a><br><a href=\"mailto:scott@suninsuranceservices.com\">scott@suninsuranceservices.com<\/a><br><a href=\"https:\/\/suninsuranceservices.com\/scott-mauldin\/?utm_source=construction_guide&amp;utm_medium=agent_link&amp;utm_campaign=commercial_cluster\">Scott Mauldin\u2019s agent page<\/a><\/p>\n    <\/aside>\n  <\/div>\n<\/section>\n\n<section class=\"soft-yellow\">\n  <div class=\"sun-container\">\n    <h2>Florida Contractor Insurance FAQ<\/h2>\n<details><summary>What insurance does a Florida contractor typically need?<\/summary><p>Florida contractors commonly review general liability, workers\u2019 compensation, commercial auto, tools and equipment, builders risk or installation coverage, umbrella or excess liability, and bonds when required by a contract or license.<\/p><\/details>\n<details><summary>How much liability insurance does a Florida contractor need for licensing?<\/summary><p>Florida DBPR states that 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.<\/p><\/details>\n<details><summary>When is workers\u2019 compensation required for Florida contractors?<\/summary><p>Florida construction employers with one or more employees, including non-exempt business owners, generally must carry workers\u2019 compensation insurance.<\/p><\/details>\n<details><summary>Do subcontractors need their own workers\u2019 compensation coverage?<\/summary><p>Subcontractors are responsible for required coverage for their employees. Contractors should verify active coverage or valid exemption documentation before work begins.<\/p><\/details>\n<details><summary>What affects contractor insurance pricing?<\/summary><p>Pricing depends on the trade, payroll, annual revenue, subcontractor use, vehicles, claims history, project size, locations, requested limits, and other underwriting factors.<\/p><\/details>\n<details><summary>Can Sun Insurance Services help with certificates and contract requirements?<\/summary><p>Yes. Sun Insurance Services can review contract insurance requirements and issue certificates for active policies when appropriate.<\/p><\/details>\n\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container center\">\n    <h2>Sun Insurance Services Customer Reviews<\/h2>\n    <div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?ffa796354707667abb9699ee0e2\"><\/div>\n  <\/div>\n<\/section>\n\n<section id=\"quote\">\n  <div class=\"sun-container\">\n    <div class=\"quote-panel\">\n      <h2 class=\"center\">Request a Florida Contractor Insurance Quote<\/h2>\n      <p class=\"lead center\">Tell us about your trade, payroll, annual revenue, employees, subcontractors, vehicles, claims history, tools, projects, and contract requirements.<\/p>\n      <div class=\"button-row\" style=\"justify-content:center;\">\n        <a class=\"sun-button\" href=\"tel:+14077811609\">Call Scott: 407-781-1609<\/a>\n        <a class=\"sun-button secondary\" href=\"sms:+14077811609\">Text Scott<\/a>\n      <\/div>\n      <div class='fluentform ff-default fluentform_wrapper_13 ffs_modern_l_wrap'><form data-form_id=\"13\" id=\"fluentform_13\" class=\"frm-fluent-form fluent_form_13 ff-el-form-top ff_form_instance_13_1 ff-form-loading ff-form-has-steps ffs_modern_l\" data-form_instance=\"ff_form_instance_13_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Quote Request<\/legend>        <div\n                style=\"display: none!important; position: absolute!important; transform: translateX(1000%)!important;\"\n                class=\"ff-el-group ff-hpsf-container\"\n        >\n            <div class=\"ff-el-input--label asterisk-right\">\n                <label for=\"ff_13_item_sf\" aria-label=\"Updates\">\n                    Updates                <\/label>\n            <\/div>\n            <div class=\"ff-el-input--content\">\n                <input type=\"text\"\n                       name=\"item_13__fluent_sf\"\n                       class=\"ff-el-form-control\"\n                       id=\"ff_13_item_sf\"\n                \/>\n            <\/div>\n        <\/div>\n                <input type=\"hidden\" id=\"__fluent_protection_token_13\" class=\"fluent-form-token-field\" name=\"__fluent_protection_token_13\">\n        <input type='hidden' name='__fluent_form_embded_post_id' value='1333' \/><input type=\"hidden\" id=\"_fluentform_13_fluentformnonce\" name=\"_fluentform_13_fluentformnonce\" value=\"c96f12fcfb\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/es\/wp-json\/wp\/v2\/posts\/1333\" \/><div class='ff-step-container' data-name=\"step_start-13_6\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"yes\" data-enable_step_data_persistency=\"yes\" data-enable_step_page_resume=\"yes\" data-animation_type=\"fade\" data-progress_layout=\"top\" ><span class='ff_step_start'><\/span><div class='ff-step-body'><div class=\"fluentform-step active\" data-name=\"step_start-13_6\" data-disable_auto_focus=\"no\" data-enable_auto_slider=\"yes\" data-enable_step_data_persistency=\"yes\" data-enable_step_page_resume=\"yes\" data-animation_type=\"fade\" data-progress_layout=\"top\" ><div class='ff-el-group ff-el-form-top ff_list_buttons'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"Do you need insurance for yourself, or a business?\">Do you need insurance for yourself, or a business?<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_el_checkable_photo_holders\"><div class='ff-el-form-check ff-el-form-check- ff-el-image-holder'><label style='background-image: url(https:\/\/suninsuranceservices.com\/wp-content\/uploads\/home-insurance.png)' class='ff-el-image-input-src' for='personalORbusiness_3476536191f304fb54866cc8adb78646' aria-label='Personal'><\/label><label class='ff-el-form-check-label' for='personalORbusiness_3476536191f304fb54866cc8adb78646'><input  type=\"radio\" name=\"personalORbusiness\" data-name=\"personalORbusiness\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Personal\"  id='personalORbusiness_3476536191f304fb54866cc8adb78646' aria-label='Personal' aria-invalid='false' aria-required=true> <span>Personal<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check- ff-el-image-holder'><label style='background-image: url(https:\/\/suninsuranceservices.com\/wp-content\/uploads\/business-insurance.png)' class='ff-el-image-input-src' for='personalORbusiness_efe7787d79f3b89b6085be3b337fbc4b' aria-label='Business'><\/label><label class='ff-el-form-check-label' for='personalORbusiness_efe7787d79f3b89b6085be3b337fbc4b'><input  type=\"radio\" name=\"personalORbusiness\" data-name=\"personalORbusiness\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Business\"  id='personalORbusiness_efe7787d79f3b89b6085be3b337fbc4b' aria-label='Business' aria-invalid='false' aria-required=true> <span>Business<\/span><\/label><\/div><\/div><\/div><\/div><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-13_1\" ><p>&nbsp;<\/p>\n<p style=\"text-align: center\"><em>Your privacy is our priority. Requesting information will not result in unsolicited calls, emails, or texts.<\/em><\/p><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_2\" ><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group ff-el-form-top has-conditions ff_list_buttons'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"What type of policy are you looking for?\">What type of policy are you looking for?<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_c758ef9423b12ecacd8f51a5d4c6b985'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"General Liability\"  id='type_of_policy_c758ef9423b12ecacd8f51a5d4c6b985' aria-label='General Liability' aria-invalid='false' aria-required=true> <span>General Liability<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_b6ef116b672fc81b671290543f280246'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"Professional Liablity\"  id='type_of_policy_b6ef116b672fc81b671290543f280246' aria-label='Professional Liablity' aria-invalid='false' aria-required=true> <span>Professional Liablity<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_2611c947df80203e09c9850565f4fb43'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"Package Policy\"  id='type_of_policy_2611c947df80203e09c9850565f4fb43' aria-label='Package Policy' aria-invalid='false' aria-required=true> <span>Package Policy<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_4ea2e30e7249f891e8ef62747fbb3d72'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"Auto\/Fleet\"  id='type_of_policy_4ea2e30e7249f891e8ef62747fbb3d72' aria-label='Auto\/Fleet' aria-invalid='false' aria-required=true> <span>Auto\/Fleet<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_ca7915dbb8bbebb2229cb38daf24861c'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"Umbrella\"  id='type_of_policy_ca7915dbb8bbebb2229cb38daf24861c' aria-label='Umbrella' aria-invalid='false' aria-required=true> <span>Umbrella<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='type_of_policy_540136668c46d20396edd1d7324517ab'><input  type=\"checkbox\" name=\"type_of_policy[]\" data-name=\"type_of_policy\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\"Workers&#039; Comp\"  id='type_of_policy_540136668c46d20396edd1d7324517ab' aria-label='Workers&#039; Comp' aria-invalid='false' aria-required=true> <span>Workers' Comp<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_business_name' id='label_ff_13_business_name' >Business Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"business_name\" class=\"ff-el-form-control shade-light\" data-name=\"business_name\" id=\"ff_13_business_name\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_business_name_1' id='label_ff_13_business_name_1' >Business Description<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"business_name_1\" class=\"ff-el-form-control shade-light\" placeholder=\"What type of business is this?\" data-name=\"business_name_1\" id=\"ff_13_business_name_1\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_entity_type' id='label_ff_13_entity_type' aria-label=\"Entity Type\">Entity Type<\/label><\/div><div class='ff-el-input--content'><select name=\"entity_type\" id=\"ff_13_entity_type\" class=\"ff-el-form-control\" data-name=\"entity_type\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_13_entity_type\"><option value=\"\">- Select -<\/option><option value=\"Association\"  >Association<\/option><option value=\"Corporation\"  >Corporation<\/option><option value=\"Individual\"  >Individual<\/option><option value=\"Non Profit\"  >Non Profit<\/option><option value=\"LLC\"  >LLC<\/option><option value=\"Partnership\"  >Partnership<\/option><option value=\"Trust\"  >Trust<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_EIN' id='label_ff_13_EIN' aria-label=\"Federal EIN\">Federal EIN<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"EIN\" class=\"ff-el-form-control\" placeholder=\"12-3456789\" data-name=\"EIN\" id=\"ff_13_EIN\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_3\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_years_operational' id='label_ff_13_years_operational' aria-label=\"How many years in operation?\">How many years in operation?<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"years_operational\" id=\"ff_13_years_operational\" class=\"ff-el-form-control shade-light ff_numeric\" data-name=\"years_operational\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:0,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_number_of_employees' id='label_ff_13_number_of_employees' aria-label=\"How many employees?\">How many employees?<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"number_of_employees\" id=\"ff_13_number_of_employees\" class=\"ff-el-form-control shade-light\" data-name=\"number_of_employees\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_4\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_annual_revenue' id='label_ff_13_annual_revenue' aria-label=\"Annual Revenue\">Annual Revenue<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"annual_revenue\" id=\"ff_13_annual_revenue\" class=\"ff-el-form-control shade-light ff_numeric\" data-name=\"annual_revenue\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_total_payroll' id='label_ff_13_total_payroll' aria-label=\"Total Payroll\">Total Payroll<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"total_payroll\" id=\"ff_13_total_payroll\" class=\"ff-el-form-control shade-light ff_numeric\" data-name=\"total_payroll\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_5\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"business_location\" data-ff_with_auto_locate=\"no\" ><div class='ff-el-input--label'><label aria-label=\"Business Location\">Business Location<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[address_line_1]\" id=\"ff_13_business_location_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[address_line_2]\" id=\"ff_13_business_location_address_line_2_\" class=\"ff-el-form-control\" placeholder=\"Address Line 2\" data-key_name=\"address_line_2\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[city]\" id=\"ff_13_business_location_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[state]\" id=\"ff_13_business_location_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"business_location[zip]\" id=\"ff_13_business_location_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip Code\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_url' id='label_ff_13_url' aria-label=\"Business Website\">Business Website<\/label><\/div><div class='ff-el-input--content'><input type=\"url\" name=\"url\" class=\"ff-el-form-control\" data-name=\"url\" id=\"ff_13_url\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_6\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_biz_comments' id='label_ff_13_biz_comments' aria-label=\"Anything else you&#039;d like us to know?\">Anything else you'd like us to know?<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"biz_comments\" class=\"ff-el-form-control shade-light\" data-name=\"biz_comments\" id=\"ff_13_biz_comments\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_x_date' id='label_ff_13_x_date' aria-label=\"When does your current policy expire?\">When does your current policy expire?<\/label><\/div><div class='ff-el-input--content'><input  aria-label='When does your current policy expire? Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='n\/j\/y' type=\"text\" name=\"x_date\" id=\"ff_13_x_date\" class=\"ff-el-form-control ff-el-datepicker\" placeholder=\"Can be approximate.\" data-name=\"x_date\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_3\" ><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label   aria-label=\"What type of coverage do you need?\">What type of coverage do you need?<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_7270783f22d22febd5832b715bb664a8'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Home + Auto (bundle savings)\"  id='input_radio_7270783f22d22febd5832b715bb664a8' aria-label='Home + Auto (bundle savings)' aria-invalid='false' aria-required=true> <span>Home + Auto (bundle savings)<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_545adc8f9e2a72d86cfccd5c56a279a8'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Home\"  id='input_radio_545adc8f9e2a72d86cfccd5c56a279a8' aria-label='Home' aria-invalid='false' aria-required=true> <span>Home<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_288aeba38e112b132ec09c38d6b8163b'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Auto\"  id='input_radio_288aeba38e112b132ec09c38d6b8163b' aria-label='Auto' aria-invalid='false' aria-required=true> <span>Auto<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='input_radio_5ab890dca8c35fcf0cb50d9b5e57d2fe'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Flood\"  id='input_radio_5ab890dca8c35fcf0cb50d9b5e57d2fe' aria-label='Flood' aria-invalid='false' aria-required=true> <span>Flood<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label ff-other-option' for='input_radio_4077cc6b1a74f5f58eeed3b82a4e9120'><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"__ff_other_input_radio__\"  id='input_radio_4077cc6b1a74f5f58eeed3b82a4e9120' aria-label='Other' aria-invalid='false' aria-required=true> <span>Other<\/span><\/label><\/div><div class='ff-other-input-wrapper' style='display: none; margin-top: 8px;' data-field='input_radio' data-required-message='Please specify a value for the selected &quot;Other&quot; option'><input type='text' id='ff_other_input_radio_ce83db28c50a6dba67bf64c5b06c131b' name='input_radio__ff_other_input__' class='ff-el-form-control' placeholder='Please specify...' value=''><\/div><\/div><\/div><div data-name=\"ff_cn_id_7\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_requested_effective_date' id='label_ff_13_requested_effective_date' aria-label=\"When would you need this to take effect?\">When would you need this to take effect?<\/label><\/div><div class='ff-el-input--content'><input  aria-label='When would you need this to take effect? Use arrow keys to navigate dates. Press enter to select a date.'  aria-haspopup='dialog' data-type-datepicker data-format='n\/j\/y' type=\"text\" name=\"requested_effective_date\" id=\"ff_13_requested_effective_date\" class=\"ff-el-form-control ff-el-datepicker\" placeholder=\"Can be approximate.\" data-name=\"requested_effective_date\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><\/div><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"home_address\" data-ff_with_auto_locate=\"no\" ><div class='ff-el-input--label'><label aria-label=\"What is your property address?\">What is your property address?<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[address_line_1]\" id=\"ff_13_home_address_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[address_line_2]\" id=\"ff_13_home_address_address_line_2_\" class=\"ff-el-form-control\" placeholder=\"Address Line 2\" data-key_name=\"address_line_2\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[city]\" id=\"ff_13_home_address_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[state]\" id=\"ff_13_home_address_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class='ff-el-input--content'><input type=\"text\" name=\"home_address[zip]\" id=\"ff_13_home_address_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_vin' id='label_ff_13_vin' aria-label=\"VIN #\">VIN #<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vin\" class=\"ff-el-form-control\" placeholder=\" Can be found on your current insurance card, or inside windshield of the vehicle\" data-name=\"vin\" id=\"ff_13_vin\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_dL' id='label_ff_13_dL' aria-label=\"DL #\">DL #<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"dL\" class=\"ff-el-form-control\" placeholder=\" S123-456-78-910-1\" data-name=\"dL\" id=\"ff_13_dL\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class=\"ff-name-address-wrapper fluent-address has-conditions ff_map_autocomplete\" data-type=\"address-element\" data-name=\"vehicle_address\" data-ff_with_auto_locate=\"on_click\" ><div class='ff-el-input--label'><label aria-label=\"Address where Vehicle is kept\">Address where Vehicle is kept<\/label><\/div><div class='ff-el-input--content'><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_address_line_1_' id='label_ff_13_vehicle_address_address_line_1_' aria-label=\"Address Line 1\">Address Line 1<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"vehicle_address[address_line_1]\" id=\"ff_13_vehicle_address_address_line_1_\" class=\"ff-el-form-control\" placeholder=\"Address Line 1\" data-key_name=\"address_line_1\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\"><span class=\"ff-locate-icon \" style=\"cursor:pointer\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" viewbox=\"0 0 30 30\"><path d=\"M 14.984375 0.98632812 A 1.0001 1.0001 0 0 0 14 2 L 14 3.0507812 C 8.1822448 3.5345683 3.5345683 8.1822448 3.0507812 14 L 2 14 A 1.0001 1.0001 0 1 0 2 16 L 3.0507812 16 C 3.5345683 21.817755 8.1822448 26.465432 14 26.949219 L 14 28 A 1.0001 1.0001 0 1 0 16 28 L 16 26.949219 C 21.817755 26.465432 26.465432 21.817755 26.949219 16 L 28 16 A 1.0001 1.0001 0 1 0 28 14 L 26.949219 14 C 26.465432 8.1822448 21.817755 3.5345683 16 3.0507812 L 16 2 A 1.0001 1.0001 0 0 0 14.984375 0.98632812 z M 14 5.0488281 L 14 6 A 1.0001 1.0001 0 1 0 16 6 L 16 5.0488281 C 20.732953 5.5164646 24.483535 9.2670468 24.951172 14 L 24 14 A 1.0001 1.0001 0 1 0 24 16 L 24.951172 16 C 24.483535 20.732953 20.732953 24.483535 16 24.951172 L 16 24 A 1.0001 1.0001 0 0 0 14.984375 22.986328 A 1.0001 1.0001 0 0 0 14 24 L 14 24.951172 C 9.2670468 24.483535 5.5164646 20.732953 5.0488281 16 L 6 16 A 1.0001 1.0001 0 1 0 6 14 L 5.0488281 14 C 5.5164646 9.2670468 9.2670468 5.5164646 14 5.0488281 z\"><\/path><\/svg><\/span><\/span><\/div><\/div><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_city_' id='label_ff_13_vehicle_address_city_' aria-label=\"City\">City<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[city]\" id=\"ff_13_vehicle_address_city_\" class=\"ff-el-form-control\" placeholder=\"City\" data-key_name=\"city\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-container'><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_state_' id='label_ff_13_vehicle_address_state_' aria-label=\"State\">State<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[state]\" id=\"ff_13_vehicle_address_state_\" class=\"ff-el-form-control\" placeholder=\"State\" data-key_name=\"state\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_13_vehicle_address_zip_' id='label_ff_13_vehicle_address_zip_' aria-label=\"Zip Code\">Zip Code<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"vehicle_address[zip]\" id=\"ff_13_vehicle_address_zip_\" class=\"ff-el-form-control\" placeholder=\"Zip\" data-key_name=\"zip\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_8\"  class='ff-t-container ff-column-container ff_columns_total_4 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_dropdown' id='label_ff_13_dropdown' aria-label=\"DOB-Month\">DOB-Month<\/label><\/div><div class='ff-el-input--content'><select name=\"dropdown\" id=\"ff_13_dropdown\" class=\"ff-el-form-control\" data-name=\"dropdown\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"true\" aria-labelledby=\"label_ff_13_dropdown\"><option value=\"\">- Select -<\/option><option value=\"January\"  >January<\/option><option value=\"February\"  >February<\/option><option value=\"March\"  >March<\/option><option value=\"April\"  >April<\/option><option value=\"May\"  >May<\/option><option value=\"June\"  >June<\/option><option value=\"July\"  >July<\/option><option value=\"August\"  >August<\/option><option value=\"September\"  >September<\/option><option value=\"October\"  >October<\/option><option value=\"November\"  >November<\/option><option value=\"December\"  >December<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_numeric_field' id='label_ff_13_numeric_field' aria-label=\"DOB-Day\">DOB-Day<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field\" id=\"ff_13_numeric_field\" class=\"ff-el-form-control\" data-name=\"numeric_field\" inputmode=\"numeric\" step=\"any\" min=\"1\" aria-valuemin=\"1\" max=\"31\" aria-valuemax=\"31\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-3' style='flex-basis: 25%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_numeric_field_2' id='label_ff_13_numeric_field_2' aria-label=\"DOB-Year\">DOB-Year<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field_2\" id=\"ff_13_numeric_field_2\" class=\"ff-el-form-control\" data-name=\"numeric_field_2\" inputmode=\"numeric\" step=\"any\" min=\"1920\" aria-valuemin=\"1920\" max=\"2020\" aria-valuemax=\"2020\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-4' style='flex-basis: 25%;'><div class='ff-el-group has-conditions ff_list_buttons'><div class=\"ff-el-input--label asterisk-right\"><label   aria-label=\"Marital Status\">Marital Status<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='marital_status_483e7f64094be1d1814f5ed022a612a1'><input  type=\"radio\" name=\"marital_status\" data-name=\"marital_status\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Married\"  id='marital_status_483e7f64094be1d1814f5ed022a612a1' aria-label='Married' aria-invalid='false' aria-required=false> <span>Married<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='marital_status_c5f1a99a08fc07bc1a01668a2941fb58'><input  type=\"radio\" name=\"marital_status\" data-name=\"marital_status\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"Single\"  id='marital_status_c5f1a99a08fc07bc1a01668a2941fb58' aria-label='Single' aria-invalid='false' aria-required=false> <span>Single<\/span><\/label><\/div><\/div><\/div><\/div><\/div><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><button style='float: right;'  type='button' data-action='next' class='ff-float-right ff-btn ff-btn-next ff-btn-secondary' aria-label='Next'>Next<\/button><\/div><\/div><div style='display: none;' class=\" fluentform-step\" data-name=\"form_step-13_4\" ><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-13_5\" ><p style=\"text-align: center\"><strong>GREAT NEWS!<\/strong> Based on your input we have <strong>several<\/strong> insurance companies we can quote this with.<\/p>\n<p style=\"text-align: center\">Please let us know how to reach you, and we will be in touch shortly.<\/p><\/div><div data-type=\"name-element\" data-name=\"names\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_names_first_name_' id='label_ff_13_names_first_name_' >First Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[first_name]\" id=\"ff_13_names_first_name_\" class=\"ff-el-form-control\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_names_last_name_' id='label_ff_13_names_last_name_' >Last Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[last_name]\" id=\"ff_13_names_last_name_\" class=\"ff-el-form-control\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_9\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_phone' id='label_ff_13_phone' aria-label=\"Phone\">Phone<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone\" type=\"tel\" data-name=\"phone\" id=\"ff_13_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_email' id='label_ff_13_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_13_email\" class=\"ff-el-form-control\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div class='ff-el-group ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_13_input_text' id='label_ff_13_input_text' aria-label=\"Last &amp; Final Question... How did you find us?\">Last &amp; Final Question... How did you find us?<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text\" class=\"ff-el-form-control\" placeholder=\"Thank you so much!\" data-name=\"input_text\" id=\"ff_13_input_text\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><input type=\"hidden\" name=\"hidden\" value=\"https:\/\/suninsuranceservices.com\" data-name=\"hidden\" >        <div class=\"ff-step-t-container ff-inner_submit_container ff-column-container ff_columns_total_2\">\n            <div class=\"ff-t-cell ff-t-column-1\"><div class='step-nav ff_step_nav_last'><button style='float: left;'  type='button' data-action='prev' class='ff-btn ff-btn-prev ff-btn-secondary' aria-label='Previous'>Previous<\/button><\/div><\/div>\n            <div class=\"ff-t-cell ff-t-column-2\">\n                <div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-lg ff_btn_style\"  aria-label=\"Submit\">Submit<\/button><\/div>            <\/div>\n        <\/div>\n        <\/div><\/div><\/div>\n        <\/fieldset><\/form><div id='fluentform_13_errors' class='ff-errors-in-stack ff_form_instance_13_1 ff-form-loading_errors ff_form_instance_13_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_13_1 = {\"id\":\"13\",\"ajaxUrl\":\"https:\\\/\\\/suninsuranceservices.com\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"asteriskPlacement\":\"asterisk-right\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_13_1\",\"form_id_selector\":\"fluentform_13\",\"rules\":{\"personalORbusiness\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"type_of_policy\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"business_name\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"business_name_1\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"entity_type\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"EIN\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true}},\"years_operational\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\",\"global_message\":\"This field must contain numeric value\",\"global\":true},\"min\":{\"value\":\"\",\"message\":\"Validation fails for minimum value\",\"global_message\":\"Validation fails for minimum value\",\"global\":true},\"max\":{\"value\":\"\",\"message\":\"Validation fails for maximum value\",\"global_message\":\"Validation fails for maximum value\",\"global\":true},\"digits\":{\"value\":\"\",\"message\":\"Validation fails for limited digits\",\"global_message\":\"Validation fails for limited digits\",\"global\":true}},\"number_of_employees\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global_message\":\"This field is required\",\"global\":true},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\",\"global_message\":\"This field must contain numeric value\",\"global\":true},\"min\":{\"value\":\"\",\"message\":\"Validation fails for minimum value\",\"global_message\":\"Validation fails for minimum 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 <\/div>\n<\/section>\n\n<section>\n  <div class=\"sun-container center\">\n    <h2>Sun Insurance Services<\/h2>\n    <p><strong>Sun Insurance Services, Inc.<\/strong><br>7680 Universal Blvd Suite 198<br>Orlando, FL 32819<br><a href=\"tel:+14077811600\">Call or Text 407-781-1600<\/a><\/p>\n  <\/div>\n<\/section>\n\n<p class=\"fine-print\">Coverage, eligibility, pricing, classifications, bonds, certificates, limits, deductibles, and carrier availability depend on underwriting guidelines, policy terms, project details, business operations, and current legal requirements. Coverage is not bound or changed until confirmed by a licensed agent and the insurance carrier. Last updated August 4, 2026.<\/p>\n\n<\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": [\n        \"InsuranceAgency\",\n        \"LocalBusiness\",\n        \"FinancialService\"\n      ],\n      \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\",\n      \"name\": \"Sun Insurance Services\",\n      \"legalName\": \"Sun Insurance Services, Inc.\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/\",\n      \"telephone\": \"+1-407-781-1600\",\n      \"foundingDate\": \"2003\",\n      \"address\": {\n        \"@type\": \"PostalAddress\",\n        \"streetAddress\": \"7680 Universal Blvd Suite 198\",\n        \"addressLocality\": \"Orlando\",\n        \"addressRegion\": \"FL\",\n        \"postalCode\": \"32819\",\n        \"addressCountry\": \"US\"\n      },\n      \"areaServed\": {\n        \"@type\": \"State\",\n        \"name\": \"Florida\"\n      }\n    },\n    {\n      \"@type\": \"Person\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/scott-mauldin\/#person\",\n      \"name\": \"Scott Mauldin\",\n      \"jobTitle\": \"Commercial Insurance Agent\",\n      \"telephone\": \"+1-407-781-1609\",\n      \"email\": \"scott@suninsuranceservices.com\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/scott-mauldin\/\",\n      \"worksFor\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      }\n    },\n    {\n      \"@type\": \"Service\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/#service\",\n      \"name\": \"Florida Contractor and Construction Insurance\",\n      \"serviceType\": \"Commercial Insurance for Contractors\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/\",\n      \"provider\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      },\n      \"areaServed\": {\n        \"@type\": \"State\",\n        \"name\": \"Florida\"\n      },\n      \"description\": \"Commercial insurance for Florida contractors, including general liability, workers\u2019 compensation, commercial auto, tools and equipment, umbrella coverage, bonds, builders risk, and contract requirements.\"\n    },\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/#webpage\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/\",\n      \"name\": \"Florida Contractor Insurance | Construction Business Coverage\",\n      \"headline\": \"Commercial Insurance for Florida Construction and Contracting Businesses\",\n      \"description\": \"Compare Florida contractor insurance for general liability, workers\u2019 compensation, commercial auto, tools, equipment, umbrella coverage, bonds and contract requirements.\",\n      \"inLanguage\": \"en-US\",\n      \"dateModified\": \"2026-08-04\",\n      \"about\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/#service\"\n      },\n      \"mainEntity\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/#faq\"\n      },\n      \"publisher\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What insurance does a Florida contractor typically need?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Florida contractors commonly review general liability, workers\u2019 compensation, commercial auto, tools and equipment, builders risk or installation coverage, umbrella or excess liability, and bonds when required by a contract or license.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"How much liability insurance does a Florida contractor need for licensing?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Florida DBPR states that general and building contractors must maintain at least $300,000 in liability insurance and $50,000 in property damage insurance. 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Los seguros para contratistas en Florida ayudan a las empresas de construcci\u00f3n a protegerse contra la responsabilidad civil en la obra, lesiones de empleados, accidentes de veh\u00edculos, robo de herramientas, da\u00f1os a la propiedad, reclamaciones por obras terminadas, requisitos contractuales y otros riesgos espec\u00edficos del sector. Sun Insurance Services ayuda a los contratistas de Florida a comparar opciones de seguros comerciales de m\u00faltiples aseguradoras y a coordinar la cobertura seg\u00fan el trabajo que realizan. Solicite un seguro para contratistas\u2026 <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/commercial-insurance-for-construction-and-contracting-businesses-a-complete-guide\/\">Continuar leyendo<span> Seguros comerciales para empresas de construcci\u00f3n y contrataci\u00f3n: una gu\u00eda completa<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":1334,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"","footnotes":""},"categories":[48],"tags":[52,50,56,53],"post_folder":[],"class_list":["post-1333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance","tag-business-property-insurance","tag-insurance-florida","tag-small-business-insurance","tag-workers-compensation"],"yoast_head":"<!-- This site is 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