Florida contractors insurance

Licensing & registration in Florida

Florida contractors are generally either state-certified (allowing work statewide) or state-registered (allowing work in specific local jurisdictions), administered through the Department of Business and Professional Regulation (DBPR) and the Construction Industry Licensing Board (CILB). Proof of liability (and, where applicable, workers compensation) is part of licensing. Confirm your path with the DBPR.

Bonding requirements vary by license type and local jurisdiction rather than a single statewide bond, and financial-responsibility rules apply to certain license classes. Confirm current requirements for your classification.

Coverages Florida contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Florida

Common Florida users include roofers, home builders and remodelers, electricians, plumbers, HVAC, pool contractors, and hurricane-shutter and exterior specialists across Miami, Orlando, Tampa, and Jacksonville.