Florida contractors insurance
Coverage built around how contractors actually work
From single-truck operations to larger crews, Florida contractors face changing exposures across jobsites, vehicles, subs, and tools. Request a review across policies together.
What this coverage generally addresses
- General liability for jobsite and completed operations
- Commercial auto for trucks and trailers
- Workers' compensation for employees
- Tools, equipment, and inland marine
Common coverage considerations
- Scope of work and class codes
- Subcontractor use and certificates
- Additional insured requirements from GCs
- Endorsements for specific trades
Who may need it
- General contractors and remodelers
- Roofing, HVAC, plumbing, and electrical trades
- Landscaping and site prep contractors
- Small crews growing into their first commercial fleet
Florida-specific considerations
- Florida licensing rules affect requirements for certain trades
- Wind and moisture exposure on active jobsites
- Sub relationships often drive certificate and additional-insured needs
Watch for
Common mistakes or gaps
- No dedicated tools & equipment coverage
- Personal auto used for jobsite travel
- Missing additional insureds required by contracts
- Payroll and class codes out of date
FAQ
Frequently asked questions
Related coverage
Often reviewed together
This page is general information only and is not legal, financial, tax, or insurance advice. Coverage may help. Availability varies. Policy terms differ. Coverage is subject to underwriting. Exclusions and limits apply. An insurance professional can review your situation.
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No obligation. Submitting a request does not bind, issue, change, or cancel insurance coverage.