Contractors face unique risks on every job site, from torn ductwork in an attic to a slipped wrench that cracks a granite countertop. Our contractor's insurance packages are designed to protect your business, your crew, your tools, and your reputation, all from carriers that understand Florida trades.
A real contractor program isn't one policy. It's a stack: general liability for third-party injury or property damage, workers' comp for your crew, commercial auto for the work trucks, inland marine for the tools, and (when needed) builder's risk for active jobs. We build the stack for your specific trade and revenue, and we make sure each piece talks to the next.
Many clients and general contractors require proof of insurance before you can even bid on a job. Having the right coverage not only fulfills these requirements but also protects your livelihood from potentially devastating financial losses. We issue Certificates of Insurance same-day for most jobs, name additional insureds when contracts require it, and make sure waivers of subrogation are added where you need them.
Not all contractor policies are built the same. An HVAC contractor pulling permits has different exposures than a general carpenter, and a plumber working on potable water lines has exposures neither of the others do. We write coverage with carriers that specialize in your trade and price it based on real exposure, not a one-size-fits-all class code.
In Florida, construction-industry sole proprietors and LLC members must carry workers' comp on themselves OR file a valid Notice of Election to Be Exempt with the state. Non-construction sole proprietors have more flexibility. Most general contractors will require either a comp policy or a current exemption certificate before letting you on the job, regardless of state minimums.
Yes. $1M per occurrence / $2M aggregate is the standard contractor general liability requirement in Florida. We can name your GC (or any client) as additional insured on a per-job or blanket basis, add waivers of subrogation when contracts call for them, and email or fax the certificate same day in most cases.
Only if you have inland marine (tools and equipment) coverage with off-premises and in-transit endorsements. General liability does NOT cover your own tools. We always quote inland marine alongside GL for active contractors, with limits set to your actual tool investment plus a buffer for new equipment purchased during the policy term.
Ongoing operations covers losses while you're actively on the job (a slip on a wet floor you just mopped). Completed operations covers losses caused by your work AFTER you've left the job and been paid (a pipe joint you sweated 6 months ago fails and floods a kitchen). Both should be included on a contractor GL policy with appropriate per-occurrence and aggregate limits.
For substantial new construction or major renovations, yes. Builder's risk covers the project itself (the building under construction, materials on site, materials in transit) which a standard contractor GL does NOT cover. For service contractors doing repairs or replacements on existing structures, builder's risk usually isn't needed. We'll review the project type and recommend.
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