Florida Contractor & General Liability Insurance

If you swing a hammer, run a crew, or bid a job in Florida, you already know general liability insurance isn't optional in practice. General contractors, property managers, HOAs, and even most homeowners now require a valid COI showing $1M per occurrence / $2M aggregate GL before you can start work — and often name them as additional insured. We write coverage specifically for Florida tradespeople and can typically turn a certificate the same week you bind.

General liability for contractors covers third-party bodily injury and third-party property damage arising out of your work. In plain terms: if a homeowner trips over your extension cord, if your tool cuts through the wrong wall, if a subcontractor damages the neighbor's fence — that's what GL is designed for. It doesn't cover damage to your own tools, your own work product, or your employees (that's inland marine, builder's risk, and workers' comp respectively).

The right class code matters enormously on a contractor policy. GL premiums are rated on your specific trade — roofing, electrical, HVAC, plumbing, general remodel, painting, landscaping, handyman work — and being classified wrong can either overcharge you or void coverage when a claim hits. We ask the right underwriting questions upfront so your policy actually applies to the work you're doing.

Optional add-ons that Florida contractors commonly stack on: tools and equipment (inland marine) for the gear in the truck, commercial auto for the work vehicle (see our commercial auto page), workers' comp for any W-2 employees or 1099 subs Florida law considers employees, and an umbrella policy sitting above the GL. If you're a licensed contractor, we can also coordinate with the Florida DBPR licensing requirements.

Call (850) 438-0008 or request a quote — tell us your trade and your typical job size and we'll come back with real numbers.